We shouldn't consider the poorest only, but also the middle class. I'd say it's a much more interest segment. Some of them live from paycheck to paycheck (or c

We shouldn't consider the poorest only, but also the middle class. I'd say it's a much more interest segment. Some of them live from paycheck to paycheck (or close to) still in their 30s and 40s, living above their means, trying to keep up with the Joneses. Others, they live well below their means and have a really nice savings account by the time they are 40 or 50. Living in a bit cheaper place then you can afford to, driving a bit cheaper car (or just using the public transportation), it adds up to a lot over the years. Which can be invested later and that's when the cumulative profits kick in. They won't be billionaires (or even multimillionaires) but they will be way, way above the average.