text: An insurance broker by chance?
  
  If you are working with people who are purchasing coverage through the ACA or have Medicare... you are not speaking with the working poor I am referencing.
  
  Wage stagnation is a reality since the 1970's-- ever since it was decided that unions were "evil" and that corporate allegiance was to the stockholders.  There will be no solutions until a crisis unfolds.  We are getting closer every day.