AN, I, of course, truly don’t have the answer to the ultimate solution–wish I did.

That said, some of the friends I mentioned who were literally “at the top,” have now fallen into the “silent wealth gap,” and I increasingly hear stories like that everyday. The fact is, they could have done something about it before it got away from them, via more conservative planning, etc. (i.e. keep the million+ rather than spend it all.)

I think the real point I’m making is that, virtually anyone of us can fall into the “wealth gap” regardless of which quintile in which we may currently abide.