assuming your kid lives to 100, which he won't. 60 years is already past half of his life time meaning he's nearer to the end than the beginning at the point in time he hits your aforementioned 5 million dollar goal.

>Please read and apply advice from "How to Win Friends and Influence People" by Dale Carnegie, it will improve your life.

I read the book and guess what it literally says.

It says never criticize anyone. If everyone around you takes that advice, you'd never receive any criticism. You'd blindly live in a world of lies an illusions. The advice you give when taken by me is good for me, but when given to me the effect on you is self harming.

The good thing about the internet is that you can use this avenue as an opportunity to get real opinions as No one, and I mean absolutely no one will say what I am saying to you now in real life.

The fact of the matter is, my argument is for you, I'm saying you are being treated unfairly under the current system. Your argument is just saying that you're not being treated unfairly and that most of what you experience is just a symptom of bad saving/investing habits.

You think anyone making more money than you in real life is ever going to tell you to your face and say the system is unfair and I am reaping the benefits by stepping on your head? No they lie to you. I'm not lying. I can say more then likely I make more money than you simply because I navigated the system better, not because I contributed more gdp to the economy. Arguably I alone contribute even less gdp than both you and your wife together yet I make much more.

The argument goes further, because there are plenty of people above me who do the same to me. As you go higher and higher up, you find people who do essentially nothing for the economy and just benefit off of economic growth. People on the bottom are the ones getting screwed, the closer you are to the bottom the more screwed you are.

I can assure you 100% it is not a spending habit/investing problem. It is genuinely a wealth inequality problem where rich people live off the labor of others. The ability for someone to purchase human capital as an "investment" is what enables this kind of thing.

I literally own a house where people pay me rent and I do nothing. I sit on my ass while they work and transfer the fruits of their labor to me. And this is all because I have enough money to own property. It's not fair, and absolutely you're never going to find someone in my position that will admit this to you.