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I get two contrasting family situations on money. One is upper middle class, could have retired by 50, work because they both like working. Net worth of a $3M+ without every taking any serious risks. The other is working class. Late 50s, no super, lucky to have $100K in assets beyond...

Invest, I'd suggest that most people are completely allergic to risk and have great difficulty dealing with any figure that is larger than their income (so a car or boat is not so hard). People from certain backgrounds (mostly european) can also be resentful of the "Landlord" class. In...