In twenty years practically everyone here will be dead or quite elderly. I'm just guessing but the median age of the board is probably around 55, the reign of the boomers will be over along with their nostalgia for a 1950s world that never really existed. The world of the future is yet to be born, I expect some entirely transformative events to have occurred by then. Nuclear war between India and Pakistan comes to mind.
The discovery of extraterrestrial life.
The terrorist release of a genetically engineered plague.
Implanted I-phones serving users virtual worlds will create virtual zombies.
Vast, almost unimaginable refugee movement around the globe due to climate/war/hunger/disease.
Drinkable water WILL become the most precious and warred over commodity on earth.
Solar will be the main source of electrical power.
Yet somehow in spite of all this America will still be America. No party will have achieved totalitarianism and enslaved anyone. People will still fight over petty issues as if the world is at stake. And most importantly, perhaps, with the boomers dead maybe the world can finally move on into what it will be when no one longs for a golden age past and worry about making a golden age that is entirely possible with courage to face the future.
75 is "quite elderly" now.
In 20 years it won't be. You'll need to wait Another 20 years before you can become a trust-fund baby, and by then the money will have been spent. Most successful among your peers will be those that could not depend on their parents wealth: Asian and Hispanic immigrants will run government and business. You will most likely be working for them.
Sadly, I do not foresee much progress among the black community in the next 20 years. I base this on the trajectory of their progress during the PAST 20 years. Since 1994, we have placed a black male in the White House, but demographic indicators reveal that the aggregate black population has continued to lag behind other groups.