What you don't mention is that prices (cost of living) are much higher than a decade ago and many are seeking/holding a second job to makes ends meet. I invite you to see the following links:
http://www.eia.gov/outlooks/steo/report/electricity.php
http://www.ers.usda.gov/data-products/food-price-outlook.aspx
Then, there's a little something-something published Jan. 2018 regarding housing:
http://www.forbes.com/sites/lawrenceyun/2018/01/10/2018-home-price-forecast/#14da699a6957
As always, jmo.
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