Let's say that you make $50,000 a year. There's a bill that cuts taxes by 5% for anyone making under $1,000,000 and 50% for anyone making over that. Do you vote yes on this because "I'm going to be a millionaire soon anyway" or do you vote no, because while both people benefit, one tier benefits a disproportionate amount?

Nobody is telling children "don't have dreams". They are saying "Hey you middle-aged Americans who have lost their retirement savings to Enron, WorldCom, 2008, etc, maybe you are getting the short of end of the stick here."