You Are Screwed. Royally!!!!!

See:  http://www.businessinsider.com/facts-about-inequality-in-america-2011-11

And here are some more discouraging numbers.

Proportion of U.S. Households        Proportion of U.S. Wealth

Top 1%                                                           33.8%
Next 90 to 99%                                             37.7%
Next 50% to 90%                                          26.0%
Bottom 50%                                                    2.5%
                                                                     ______
                                                                    100.0%

Does this help you understand the Two Tier Economy?  The Top 10% of all U.S. households control 71.5% of all the wealth in the country.  And the charts in the link above show you exactly what is going on to make this happen.