For just average people, with little money to spare
Suppose you earn $100,000 a year. If you can save $10,000, that is a guaranteed return of $10,000 or 10% a year. If you save, $25,000 of that $100,000 you can have $50,000 in two years without any risk and in 4 years you can have $100.000. I am not saying that you should not invest in the market. All I am saying is that as there is so much risk in the market, you are guaranteed to get rich if you save more.