Clark is not drowning in homeowner or student loan debt, or the costs of sending two kids to college. He's drowning in a debt of his making, trying to prematurely add a pool onto the beautiful house he already owns. He has a house in suburban Chicago, his wife doesn't work, and he presumably has health insurance and a 401k. All those sweet "employment" perks sound like some lost fantasy city of Atlantis to Millennials entering the workforce today. And we're supposed to share his rage at not getting a good Christmas bonus? It might have been a relatable problem to a lot of people back in the day, but explain that scene to your average "middle-class" worker now, and prepare for some rolled eyes, accompanied by the most thorough and exhaustive jerk-off motion you have ever seen.