have to disagree on the following grounds: 1. most people aren't even exposed to the opportunity to gain any appreciable wealth. step one is getting out of sal

have to disagree on the following grounds: 1. most people aren't even exposed to the opportunity to gain any appreciable wealth. step one is getting out of salaryman slavery existence and getting into companymaking, rent extraction, financial swindling/legal tax evasion, etc. the author mentions the last point, but it's too far down the line. step one is to start playing the game to win, and start trying to make real money rather than subsistence... 2. luck is probably more influential than what people suspect. see: zuck, bitcoin millionaires 3. compound interest is real, but most people in the US are living hand to mouth so reaping the benefits takes far longer than they are willing to wait-- this isn't a failure of patience but a pragmatic choice to survive until tomorrow. you ask them to stash thousands of bucks today for twenty years down the line, and they'll tell you they're already running on empty. you ask them to stash $20 today for 50 years down the line, and they'll say they'd rather have it in their pocket to pay for medicine. and they are not wrong; they can't risk even temporarily losing some of their wealth because they have so very little to gamble on investments. 4. being frugal is real, but the opportunities don't exist in places where being frugal is very effective. the more expensive the place, the more opportunities flow through it. cities have more expensive food, very expensive rent, and 100% of the opportunities that someone will need to get rich. 5. oh yeah, and it's impossible to be frugal when you have student loans bleeding you right out of the gate. 6.5% interest loans does a great job of snuffing out potential millionaires everywhere through no fault of their own. 6. learning and writing stuff down is great. but becoming rich isn't a matter of knowing the path. it's necessary to know stuff, but you need to actually walk the path to wealth without stumbling-- different skills entirely. disclaimer: i'm not a millionaire yet so YMMV