[quote=FlyerInHi]How do you guys expect the average American to develop multiple streams of income by age 50? Not realistic. People normally spend what they make and anticipate the continue to make the same and more forever.

I have meet rich people who don’t save and end up having to downscale.[/quote]

Agree, developing multiple streams of income by age 50, or earlier, with sustainable savings does not describe the average American, but I can assure you, there are many of us who have taken this path, and some started with very little.