I was (am) a homeowner, vehicle owner and operator, first-time father, and had the same job prior to 2019 (which does include some raises since then). My household's quality of living has definitely gone down since then, and I'm specifically referring to disposable income and what my dollar actually gets me. Buying power seems to ignore shrinkflation, i.e. raw inflation numbers don't even paint an accurate portrayal on the value of what's being purchased. Mortgage and automotive interest rates have been killer for years now, and indeed the automotive industry is cracking as more people are defaulting on loans or can't afford them in the first place. And to be fair, not every State has had energy prices and other State-specific problems continue to worsen like me... guess I'm saying everyone's mileage will vary on this -- a simple statistic is just too, well simplistic on this topic, lol.