> But then you have things like "works for a living, but contributes to a 401k". Now they work for a living, and their net wealth grows from other people workin

> But then you have things like "works for a living, but contributes to a 401k". Now they work for a living, and their net wealth grows from other people working. I think these are still group 1. Without their job pumping their savings/investments, they are back to "N paychecks away from broke." At the inflection point where their spending becomes less than their passive income, they move over to group 2.