> The likelihood of making real (not paper) life-changing money There is a difference between "save, build an emergency fund" and "get into some get-rich-quick

> The likelihood of making real (not paper) life-changing money There is a difference between "save, build an emergency fund" and "get into some get-rich-quick scheme". The goal of emergency funds and saving, for most people, is to prevent life-changing events, not create them. You don't need a ludicrous paycheck to have a rainy days fund, and to put money aside, and you shouldn't count on IPOs and acquisitions to build it.