Just like @TuringNYC,I spent the early part of my life in the lower half of socio-economic ladder. With a bit of luck (and yes, work), I extracted myself from this group. I'm not rich, but I have zero debt. I own a house, multiple vehicles, and an 4 season expedition camper - free and clear. I have a rewarding and unusual career.

By contrast, the entirety of my close and extended family lives in poverty. Bankruptcy, car repos, eviction, and mortgage default are almost a game. MY father died at the age of 40. My grandfather: 36. My brother died at 42 (after a lethal encounter with police after speeding).

I'm 56 (The oldest of any male in two generations). I have multiple retirement accounts. First class healthcare. I take care of my Mom. I can't predict the future, but I suspect my economic success will allow me a longer, more fulfilling life.

I'm convinced that access to healthcare, decent work, and basic housing would have allowed my short lived male family members to live longer with a better quality of life.