I think the point is that people who make 35,000/year are unlikely to have a huge net worth to be able to take advantage of these tax strategies. So, the advice

I think the point is that people who make 35,000/year are unlikely to have a huge net worth to be able to take advantage of these tax strategies. So, the advice would be to invest as early and often as possible to hopefully be able to take advantage of this strategy later in life... or just be born into intergenerational wealth, where this is going to be most relevant.