If the middle class didn&#x27;t lose so much of its income on taxes, it would be a lot easier to save money for them to start businesses. The tighter you get squeezed, the longer it takes to save money and the more the actual risk increases based on sheer time value.<p>The unfortunate result of that is that in order to start a business that requires more than an investment of spare time and professional skill (programming or a service based business) everything else is left to the mercy of investors.<p>It&#x27;s an unfortunate reality.