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Unfortunately we live in a banker-eat-avg-Joe world. Hopefully real change is coming.

I consider you an average Joe, are you much worse off than you were just 10 years ago?

Unfortunately, or fortunately, I make more than the average salary just by blogging alone, but most people I know are not better off today than they were 10 years ago.

Fair enough, everyone's situation is different, most people i know are much better off than they were 10 years ago.