[Uncle Miltie]

9) Gold Bugs: They have theirs in untaxed bars buried in the back yard. ;-)

10) The terminally ill: They should probably gift everything immediately upon a terminal diagnosis to avoid confiscatory estate taxes.

11)

[Uncle Miltie]

11) Current Students: While some make strategic mistakes by over educating themselves in Trans-Womyn-BIPOC-LessAbled-MaleMenstruation-Kathmandu Studies for an 8 year PhD, I was still a student until 22 or 23. $0 in savings.

12) Welfare Recipients: They purposefully avoid accumulating capital so that they can continuously qualify for my money. $0 in savings.