I'm 28, make less than 50k, and have no retirement savings

Current Events

I would say you are, but that is because I have rather negative thoughts on what the future holds (generally speaking, the end of civilization and 99% of humans dying, most likely sometime before half of my otherwise remaining lifespan is done).

That said, you may also be on account of how extra greedy corporations are getting as they start sweating from their own fears on the future for various reasons. They want everyone to be in debt and to pay the ones who work for them as little as possible.

I am the Hunter of Topics. My post never fails to kill its prey.
*pounces* Nyaa!