My wife and I are retired janitors, not rich.  The last fifteen years before retirement, 50-65 ages, we worked all the overtime we could cleaning up after school events.  The constant climbing bleachers with cleaning equipment wiped out our bodies, my wife had her knees replaced.  One thing we had, which many others do not use, is a well trusted accountant/financial advisor who advised us and set up retirement accounts.  Utter stupidity is the estimated 9 out of 10 workers who do not use an accountant to do their taxes.  Why do the rich have all the money?  Because they are smart enough to hire professional financial advisors.  The liberals want to give money to the poor but don't teach the poor how to manage that money.  The poor take that money and spend it at Walmart and send that free money to the richest family in the world.  For extra cash I find antiques and sell them on line, it isn't much but affords me a little pocket money.