<prompt> Human: Some additional context: Feel free to speculate with the parameters of your choosing, but my thoughts lie with someone that: Average Middle Class Income for your area Some debt or no real savings Rent vs own  <response>: Theyd wind up like most of my clients where they have 25,000 in their 401k or IRA when they retire, they get their 100 a month from it, then they live off their 1500mo in SS in Section 8 housing... 