Not that i doubt Stefan because i know the situation is beyond bad.

my question is.

who did the studies as the sources he is citing?


some of them.i really have a hard time wrapping my head around
for ex. The one in which he states 1 in 4 american dosent have acess to 500 in savings.

how was this stat obtained?
how was it verified?

only reason i ask is because i really have a hard time seeing people fillng out any questionre trying to quantify that type of info.