[matwood]

> You read all the time that your average American barely has any money set aside for retirement

That's not because there is a high bar to investing, it's that most people are financially undisciplined. I see it all the time, people get a bonus and the very first thing they do is go buy a new car. Literally one of the worst things you can spend money on is a car, and a new one makes it even worse. Many people carry CC debt, which is absolutely crazy. Keep in mind I'm not talking about people who are struggling just to put food on the table, but people who should be able to save, but instead do really stupid things with their money.