When I was working as a Tax Preparer, the people came early are low income people with several children to support. Most of them are claiming head of household (not married) just want to get the generous tax refund. Then there are the middle class who have the normal debts like mortgage, car loan, college tuition, cell phone bills, tv/internet/cable:streaming service, birthday and Xmas gift exchange, annual vocation, etc.

It is not that they don’t want to invest on their future, they are living in a “keep up with the Jones” society that saving for retirement is not an easy thing to do.

Christmas Funny Sweater 2019 | Teespring