But you're missing the key point that Jessica clearly illustrated: you have to have money to make money, and the problem is that, most people don't have any money leftover at the end of the day for investments. And before you say it, "lower expenses and squirrel away a little.... blah blah blah" the reality, the statistical factual reality, is that most Americans now live with some form of debt that is result of education, medical, or purchasing a home or vehicle. I have yet to see a personal finance guru on Youtube who actually solves the riddle of, "How do I get started investing when my cost of living is so fucking high?" It's simply an impossible situation for most, and happiness certainly isn't being alone on family property collecting guns.