My gut feeling is that the population of commenters here may exhibit some selection bias. As in, leveling criticism that the article doesn&#x27;t include &quot;investment vehicles&quot; is a negative may be a valid point in some circles, but as a profile of the general population in the US, is a valid approach. With housing having gone through a giant bubble cycle and rents approaching all-time highs IIRC, there really isn&#x27;t any extraneous income to invest (well, <i>save</i>) with a large portion of the population. I&#x27;ll refer to the following chart as relevant to supporting my perspective:<p><a href="http:&#x2F;&#x2F;www.zerohedge.com&#x2F;sites&#x2F;default&#x2F;files&#x2F;images&#x2F;user5&#x2F;imageroot&#x2F;2013&#x2F;09&#x2F;Rich%20vs%20Poor_0.jpg" rel="nofollow">http:&#x2F;&#x2F;www.zerohedge.com&#x2F;sites&#x2F;default&#x2F;files&#x2F;images&#x2F;user5&#x2F;im...</a>