I guess I am confused about your first statement... Producers vs Non Producers? When my parents retired they surely didn't retire with a million bucks to invest. Does that mean, in your opinion, they were non producers?

My siblings and I would disagree... Out of 9 kids, 7 went to college, we include 3 medical professionals, 3 teachers and 2 engineers. The offspring of that group include 5 doctors and 4 graduates of Ivy League schools. I could go on..... My parents were definately working class who made it to the middle class and now, as a family, we are better for that.