Far and away most people are healthy 20-60 and are not sidelined by disastrous health problems.

The point is invest early in your working life, and you'll have the needed results when you're ready to retire.

$1,000 is not what people would consider "having money" is. $200,000 is. If you have a car, it surely cost far more than $1,000.

A car is a necessity in most of America for getting around. Most people likely do not have a spare $1000 laying around. And knowing what to invest in is another can of worms in itself.

And depending on who you're talking to, having a spare $1,000 risk on investment is "having money".

> Most people likely do not have a spare $1000 laying around.

True enough. Because they spend it, like the person who bought a new car. How much do they spend on beer/cigarettes/weed in a year?

> And knowing what to invest in is another can of worms in itself.

That's true. Apparently investing is more than "doing nothing", and one is taking a risk. But it is within the means of the vast majority of adults.

> And knowing what to invest in is another can of worms in itself.

For the record; knowing what to invest in is easy: a broad based low cost index fund. The research in "A Random Walk Down Wallstreet" statistically shows that actively choosing specific companies has a less than 50% success rate and often comes with higher fees. For the record, most public libraries have a copy of "A Random Walk" and its conclusions are well shared.