>Also, when I was young, and learning the ropes, I was young. I didn't have responsibilities; just being able to afford a crappy apartment and food was more tha

>Also, when I was young, and learning the ropes, I was young. I didn't have responsibilities; just being able to afford a crappy apartment and food was more than enough. Back in the mid 90s, I had the opportunity to join a small startup. I took a 50% pay cut and took a big risk; but I got a healthy chunk of founder's stock so if it worked out, I would be rewarded. Turned out to be one of the best decisions I ever made; but I also made it when I was young and single with no one to take care of but myself. I seriously doubt I would have done that just a few years later when I was married and had a couple young kids. Rich people can afford to take more risk and do it more times than can people with more modest means. It is certainly possible for the middle class to make it work; but they have to be more strategic and careful and thanks for pointing out a few ways to do that.