Dear sweet GOD!  This has to be the most pessimistic take on life I've
seen in a LONG time!

Let me see if I got this right - the "working man" can never get rich?
 Uhm, let me throw out some names:
Bill Gates, Steve Jobs or how about the entire list found at
http://www.dulcenegosyante.com/top-20-internet-millionaires-under-30

How many of those people were born into their wealth?

Yes, there is what is known as "old money" - Paris Hilton is an
example that comes to mind there.  However, look at any successful
athlete that has "retired", any musician that has their heads on
straight enough not to get into trouble and people with an idea and
the willingness to do something with it and you will find the proof
that your pessimistic "poor me" view of things is wrong.

There is no invisible line in the fiscal sand that keeps anyone from
being wealthy.  It takes hard work, good judgment, common sense and
sometimes a bit of restraint.  More importantly it takes a LOT of self
control while you are on your way.  The biggest glass ceiling most
people have to contend with is their own inability to control the urge
to spend and rack up debt.

If you want to blame anything for your own inability to save money and
make it work for you, it is that.  I'm in the process of paying down
my debt, something that is not easy in this economy.  It's a hard
thing to do too, not because I don't make enough money to pay on our
debts but because we have to control the desire to have the latest,
greatest thing.  It's also difficult because it takes time, a LONG
time, to do.  When we're done, though, it will be so worth it!

You do have one thing right, though, the "middle class" has become
complacent and competitive at the same time.  As a collective group
they are in a rat race where they covet their neighbor's possessions
and borrow money (credit) to get their own things.  Only, instead of
being seen as a bad thing we call it "keeping up with the Jonses".
Such a stupid game.

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