Schwab is encouraging investments but living paycheck-to-paycheck numbers are in that area.

You read through the comments and many are pretty caustic from people who refuse to believe homelessness could happen to them. Sure, it isn't a straight drop, there are catch holds along the way but all are temporary.

OP argues, and I agree, that secure accommodation is the key. Countries which have taken that approach have been way more successful than the US. Coincidentally those countries also have a significantly lower wealth gap than we do.