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If you haven't figured it out already, the government is not going to save you and that safety net has a lot of holes in it. The middle class needs a safety net, but they're going to have to do more on their own to insure that it exists. They need to make better choices and plan better for their retirements. Also, they need to make better career decisions and perhaps deal more intelligently with their income choices. If they don't start soon it will be too late.
