The sad facts supporting the imploding middle class is that over the last three decades, most every stock broker, financial planner and advisor, could not afford to work with the middle class because they were so overburdened with debt and had no money with which to invest for the future or buy the life insurance they needed for family protection purposes.  Consequently, the financial professionals spent their time competing against one another for a share of the high income, high net worth market (less than 5% of the population) because that’s where the money is.