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Poor people indeed often make bad decisions (not necessary financial, but like taking college degree they don't need or staying with their parents until they are 40).

But realistically it's much easier to save money when your income is $10K per months vs when your income is $1K per month.

The UK did a great thing recently: there's semi-mandatory private pension contributions: it is 8% total (you can opt-out, but you need to explicitly do that). So even folks making poor financial discussion will own some wealth.

AFAIK in the US there's no minimum contribution to 401k.