Dave Chilton

And to your point, the interfaces are well done.

The challenge is those same businesses obviously are looking to optimize their own profits.

Yeah.

And are now looking at all kinds of products that I think are taking people down the wrong paths.

And they're very adept at marketing.

And they do such quantities trying to get people to trade options and commission-free option trade.

Well, don't trade options is the best advice you'll ever get on the option trading front.

And I'm worried now that a lot of the people who went to these platforms for the right reasons are going to get swayed by all the aggressive marketing.

It's tough.

I've said, and these numbers are literally pulled off the top of my head, but I've said in a few interviews that when I used to help people and sit across the kitchen table, they show you their numbers, their spending summaries, et cetera.

And the bottom 15-ish, 18% in income, it was going to be tough to do the wealthy barber type things.

They're just trying to survive and pay the bills.

I get it.

I think it's now the bottom 40-ish percent, maybe even higher because the cost of living has risen so dramatically to your point in the last 20 years, specifically since COVID.

And it's making it very difficult to pay the bills and also save the 10 to 15% and take advantage of the types of things you teach.

Hopefully over time, we'll have more economic growth around productivity growth so that incomes can exceed inflation.

And we get back to where it's more possible

to do all of this.

But you're right.

It creates an atmosphere of almost desperation where people are willing to take on more aggressive risks or buy into stories.