What is below RA/LE? My comment addressed common financial realities. It applied to every adult age, up to and including death.

> MY younger one turns 18 when I will be 58

okay.

> and I am a single parent.

You may be interested to know that parenting can be get much harder than that. ex: I would have loved my difficulty level to be dialed down to Single Parent.

> Baring accidents or the severely unexpected

I agree that some folks do experience year after year after year of luck.

> (which can happen at any age - plenty of people die in the 30s or 40s)

I agree that not having life-changing advantage & luck is pretty dang common.

> its not a problem.

What's not a problem? Taken together, your comment seems to be lacking a subject.

I did the best I could. If you could share which of my points you were responding to, that might help.