&gt; most middle class Americans before the age of 25.<p>That applies only if you live in any of the big urban centers, where the idea that living well until your 30&#x27;s and even 40&#x27;s with roommates just to be able to make do in shitty apartments that cost $1000+, not to mention the student loans to pay for the useless degree in humanities. Or alternatively, to choose med&#x2F;law school and keep deferring the high-income years.<p>Move to any part of flyover country, choose a career that does not require the stupid treadmill of higher-education and it will be pretty possible to start raising a family at age 25.