And small business types work tremendous hours, put their homes up as collateral, don’t take a pay cheque for years, put all the profits back into the business, and at the  expense of family time work like dogs and their spouses & kids get it and support them.  They're only pension,  if they have a profit is to put money into a RRSP/TFSA.  If it’s so damn easy to be a rich business person why they hell aren’t we all doing it????????