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>Even folks on HN are separated from that reality by a year or so of cushion, if even that.

Not sure why you would assume that. I know people in their late 40s who could retire.

I'm sure you do, but I for one would be on the streets with my family within six months of losing my job and not finding another. A lot of that is poor financial planning in my younger years which I'm slowly rectifying, but even so not everyone here has a stack of cash behind them.

he didnt say "all folks on HN, without exception"

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