You are seeing the effects of late stage capitalism.
People working 2 jobs and still not have as much disposable income as they had with a single income in the past.
Not having money aside of the work, no time and mental load: it kills motivation, not wanting to be creative, and your health goes downhill also and you can't afford to treat it anyway.
If you ask a 50 something about how long they think have left, yo will have half the amount than 2 generations ago.
Everything is on fire ...