Tell me how to get those principal guaranteed high return vehicles.  These days Treasury bills are a bit over one percent discount rate.  They are secure.  Stocks are not and we are due a correction.  Municipal bonds are at one-two percent given current market and coupon rates.  If a person can afford to take risk, which leaves out many with continuous on-going obligations and no great surplus, you can still make money.  Ordinary folks, not so much.