[exolymph]

Not everyone is equipped to start and run a company. It's not a universal skill or anywhere near it. If more people invested their retirement savings in businesses, you'd mainly have more ill-conceived restaurants and T-shirt companies going bust.

[achillesheels]

I agree, but certainly those who are banking 30%+ of their gross six figure income have, in general, both the luxury to pick a market and the temperance to stick it out for several years before their momentum breeds its own growth and a long-tail retirement plan in itself. It’s only easier said than done by those who have never made the commitment to suffer to try.