I disagree so strongly.

Firstly writting for most people isn’t a high income skill. It’s an artform and most artists don’t make a lot of money. Learn to code is a better start. If your young enough get a stable career, switch jobs every 2–3 years keep your salary rising.

On the second point. Do start a business. Invest your time outside of work to take potshots and making income the goal isn’t to make the next Amazon it’s to supplement your income and generate tax breaks on things you use in your life. Run a dropshipping website? Its good enough if it makes 10k a year and lets you write off your gaming computer as a business expense.

On the last point I disagree most. When your young from 18 to 25ish your not making money anyway, and likely living with parents. Sure invest in pennystock and crypto. Once your over 25 though you need an understanding of modern portfolio theory.

Modern portfolio theory has made more millionaires than bitcoin and pennystock put together.

Floyd is right. It’s not about you it’s about keeping wealth in the family for generations.

With sensible investing in a slow ETF generating an average of 7% a year. It takes anyone 1 generation or 30~ working years… to generate 1 million dollars in an ETF.

The next generation if they repeat this will die with 15–30M in the bank. This isn’t assuming luck. Or they buy Bitcoin at $100. Everyone that has access to the stock market and a stable job statistically CAN have a million dollars to leave to their kid to start with. That kid will likely never have to worry about money if he repeats what his father/mother does and draws down on that slowly while he adds to it with his own salary.