### Comment:
If we're defining 'wealthy' as having a net worth of over a million dollars, then what you're saying is false. The majority of millionaires got there by contributing to their 401k, paying off their house, and staying out of debt. Only a small portion inherited their wealth and even a smaller portion won the lottery or got lucky trading.

### REPLY:
Having a 401k doesn't automatically mean that you're a genius.

### END.