True enough. Because they spend it, like the person who bought a new car. How much do they spend on beer/cigarettes/weed in a year?

> And knowing what to invest in is another can of worms in itself.

That's true. Apparently investing is more than "doing nothing", and one is taking a risk. But it is within the means of the vast majority of adults.

For the record; knowing what to invest in is easy: a broad based low cost index fund. The research in "A Random Walk Down Wallstreet" statistically shows that actively choosing specific companies has a less than 50% success rate and often comes with higher fees. For the record, most public libraries have a copy of "A Random Walk" and its conclusions are well shared.