This evil rigged system never allows a middle class hard working person to reach too further on improving his life standards. If he doesn't have a large income, he won't reach anywhere. To be a disciplined saver along decades of his life isn't enough.
This old order has changed. In this present dispensation you are not limited by any system or anybody not reaching your purpose and financial standard and the way of life you want.
With the digital world all you need is the information and data plus smartphone and you are already mining , airdropping, trading crypto and fiat, hodling and investing in bitcoin. No one need to rely on saving of fiat in the bank and expect peanut from the bank instead of converting to bitcoin and hodl or invest for the bull run. These days many people would invest more than saving.