I suspect it will be well after 2025 for this one - it is extreme. The worst part is, it will be the bottom end that suffers the most. I am not quitting my jobs anytime soon I believe.
12% on HBD is decent :)
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Yeah as always the working class suffers. Although there is a Labor shortage all this time off and people have realised they don't need as much money to live. I think the resetting of life goals and what's important was a big wake up call for many.