The wealth factor really is depending on how much you save in your lifetime. The earlier you save the more you going to get back later on in life. A low-income family, if saved their earnings can save enough as a high-income family can, at retirement age. There is a greater variation in wealth among families with similar earnings. You can also invest in the stock markets to get the saving and quick cash that you need. However, investing in the stock markets is a great risk, you can loose it all very quickly depend on the market, but you can also get a lot of money. People with modest means can become wealthy the safest way is to start saving your earnings, and with time the saving can be a relatively large amounts.
             Having a good saving does not always mean is a good thing. With the college financial aid formulas, families of student that dose have, a high saving does not get much aid as families of student that doesn't have a high saving. This means that, low-income families that save for their children to go to college get penalize for having a high saving. While high-income families with lesser saving get the benefit of financial aid. This financial aid formula also goes with tax structure. People with low-income, but higher saving over a lifetime face higher taxes on social security, and might not get government care system such as Medicaid. Both the financial aid formula and the tax structure penalize the successful saver and reward the spender.
             As a future adult and retiree, this mean to me that saving might not be a good idea, but it is the only way of getting a safe wealth with a lower-income. I could also gamble in the stock market when I have enough saving that I think is safe for me to play in the stock market. However, saving over time still guarantee that my children will be able to go to college even though they don't have as much financial aid, and more taxes to pay.
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