Unfortunately, there are still a lot of people (like my now dead parents) who steadfastly refuse to use investing as a way to make money. My Dem father (who like my mother grew up during The Great Depression) sneered at any thoughts of investing in the stock market. Hopefully, young people today know better.
One of the greatest lessons I ever learned was(while it is good to work hard and save)the way to create real wealth is to invest. Invest in either a small business, stocks or real estate.
With interest rates at 0% today, I am glad I learned this lesson 20 years ago.