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it probably doesn't factor in the economy is shit and improvement will be slow or unlikely, so probably have a hard time getting a job and will be in debt so the stress alone will lower that number, social security and any financial aid programs for college will probably be wiped out by then, plus a couple more billion gallons of oil into the ocean could play a factor, anyone having kids today better give them lots of money to invest/save as I believe the good old days are over, my cousin wont even have kids cause she doesn't wanna bring a child into this current mess and I don't blame her.
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