"My father, who has barely any formal education, but is whip smart, told a story to me right after the market crashed."

"He said that when he was starting his business in the late 70s, his accountant told him that if he just invests X percentage of his monthly income in an IRA, he will be a millionaire by the time he retires. My dad said to him, 'Bullshit. There is no way that the powers-that-be will let a poor schlub like me become a millionaire.' He was right, and will work until the day he dies."

I'm cherry-picking from a big discussion because of the way it's written, not to endorse the viewpoint.