I said "invest time and money", nowhere did I say it would be easy or cheap or fast. The only reason I am upper middle class is because I got an enormous amount of investment growing up, from books to nutrition to upper middle family friends/role models to just plain good adv8ce. If you took my talents and plopped them in a working class family in rural wherever, I would be driving truck and getting high until it all apart, just like the people in the article.