Yes of course there are more than two classes, but usually the line between having enough free cash to invest or not is pretty binary, what’s what I want to say

Yes of course there are more than two classes, but usually the line between having enough free cash to invest or not is pretty binary, what’s what I want to say I meant there by ‘rich’ and ‘poor’ ;). I’m sure most of us here are in one of the middle classes, but speaking personally, my investments have really never rested on having excess income, and I very much doubt that it does for most people above the, say, 70% line. Investments and savings are made in advance of tallying play cash. When I forego a vacation, the money gets dispersed among other optional uses, maybe a stay-cation and a PlayStation and dropping a little extra in the kids’ savings accounts. On the flip side, eating at McDonalds in the first place is generally speaking a class indicator. I assumed that was the reason @PaulHoule used McDonalds. Foregoing McDonalds is quite unlikely to result in having enough cash to invest in something else. You still have to eat, and a lot of foods are more expensive than McDonalds even from a typical grocery store.