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Consistent theme in these Times opinion interviews is the cost of college and burden of student debt preventing even people with high household incomes from achieving security. nytimes.com/2019/07/05/opi… 
Sacrificing retirement security so his daughter doesn't have the same drag on her life as he and his spouse did.
Debt as a generational burden running both directions.
Even the most responsible possible behavior is not enough to secure the necessary savings to provide for the cost of higher education.
Household income of 200-400k not sufficient to keep up with cost of childcare and student loans.
