Here's a problem I have with the definition of "wealth".<p>My wife in I, who recently finished professional schools, earn (combined) in the top 5%. But because of our student debt, when I do a "wealth" calculator, I'm apparently literally at the bottom of the wealth chart - 0%. Leads me to question:<p>1. Is College attendance increasing, or decreasing over time?<p>2. Is price of College attendance increasing, or decreasing over time?<p>I suspect both increasing. Would that explain some (or most, or all?) of this phenomenon? Average or lower income individuals will mostly go from positive to negative to put themselves through school, while rich or upper class will not. Would be interested how much of the phenomena that would explain.