Did you ever know someone whose life was just "perfect" ? Someone who went to college, got married at age 23, found a great job with valuable stock options... Someone who settled down in a house in a nice city at age 25 or 26, started a family a year or two later, and who now seems to "Have it All"? Well, after World War II, this happened to JUST ABOUT EVERYONE in the Silent Generation, and it happen to MOST in the baby boomer generation, and it's happening to JUST ABOUT NO ONE in Generation X (those of us born from ~1965 to 1980). In my grandparents generation, all you had to do was to go to college. In my parent's generation, you needed to go to college and become a successful professional. In my own generation, you need to co-found a startup company and be among the 10% of founders who can sell off the company or have an IPO. Do you notice something here? Yes, it's getting more and more difficult to be marginally successful in America. It seems much harder to reach a middle class existence today, even for a 2 income family. Are the traditional paths to success - hard work, a degree, taking chances, saving and investing not working any more? Is there a false sense of hope for our collective future with consumer debt at record highs, near zero savings rate for baby boomer retirements and a social security system which will be bankrupt in a few years? Not to mention the escalating cost of homes and living expenses across the country and the growing gap between the haves and the have nots in this country. What is your version of the American Dream? Has it become a pipe dream?