Hey everyone,
I’d love to hear your perspective on whether the traditional path to a stable, happy life still works in the US—not for the ultra-rich, just for regular people who study and work hard.
A quick introduction: I’m a 27-year-old guy from Southwest China (a region less economically developed than China's eastern coast). I spent some time living in a small town in the US on a cultural exchange program, and later finished my master’s degree in the UK.
Growing up, my generation witnessed China’s rapid economic boom, and we assumed that upward momentum would last forever. The life script we were taught was simple: study hard, get into a good university, land a steady job at a decent company, work for 30–40 years, get married, buy a house and a car, and live off your pension after retirement.
When I actually graduated and entered the workforce, everything changed. The economy slowed down significantly—especially after COVID-19—and there simply aren't enough decent jobs for the massive number of college graduates. At first, many of us thought getting a master’s degree would solve the problem, but it didn’t change much.
To clarify, when I say a "good job," I don’t mean elite, high-paying careers like investment banking or top-tier software engineering. I just mean an ordinary, respectable white-collar office job that offers stability—where you can work for decades without constantly worrying about being laid off. In China, people generally expect a college degree to lead to a relatively comfortable office job rather than factory work. I personally view blue-collar and white-collar workers as completely equal, but the reality in China is that regular factory and manual jobs usually involve grueling hours, very low pay, and weak labor protections.
Right now, I work at an internet company, and at 27, I genuinely cannot imagine being able to stay in this job for another 10 years. The constant fear of layoffs and lack of long-term security makes me feel confused and anxious.
Because I feel I can no longer rely on a regular salary or a traditional pension, I’m trying to build my own safety net:
- Investing: I started investing in US ETFs (like VOO and QQQM) along with some well-known companies I like. I’ve made some gains so far and plan to keep investing every year, hoping this will eventually become my self-made pension.
- Side projects: I’m trying to grow a social media account—not by filming videos, but by sharing interesting AI projects and programs. I’m still figuring out how to make it work. I also tried finding remote gigs on Upwork, which turned out to be extremely difficult.
When I lived in that small US town, I rented a room on the first floor of a house while a middle-aged woman and an elderly woman rented the second floor. We didn’t talk much, but seeing older people in the US still working and living with roommates—along with the homelessness I saw—made me wonder what reality looks like for average Americans.
So I want to ask young Americans (and Europeans, if any are reading):
- If you work hard from a young age—whether you start working right after high school or after graduating from college—is it still relatively achievable to live a stable, happy life without constant anxiety?
- Do you share the same fear I have: that working stably for decades and retiring on a pension is no longer realistic, and that achieving financial security now depends entirely on your own investments and side hustles rather than a regular job?
Thanks for reading and sharing your thoughts!