&gt;, and even if they tried, they probably couldn&#x27;t<p>For instance near as I can tell it takes like 10 grand to get into an index fund. Even if that didn&#x27;t represent <i>years</i> of savings for most families there are so many things that 10 grand needs to be used for before [[2-5%&#x2F;y return on investment over 20-30 year period IF the market doesn&#x27;t crash shortly before you need to start drawing on it]] is a compelling proposition