The Oct 2019 - Oct 2021 Out?

[deadlegion]

Also important to highlight that wages have been stagnating for well over 2 decades, making it a very attractive incentive to have that second source of income. Couple that shakey social safety nets, sometimes that 2nd breadwinner is your safety net.

Of course, I'm applying this logic to the U.S., not sure how much of it does or doesn't apply once you cross the borders.

There's always an incentive to have more money. Money itself is the incentive.
The problem is a lot of people are always living beyond their means or just on the edge, be it 2 people & 2 incomes or just one person.