I don't believe that slow saving over time is the way to "wealth" or "critical mass".....mutual funds are manipulated and cd's pay nothing....
the worker/saver is toast.....
Well, some of saving later, when you need it is better( less worse ? ) then having no savings at all.
I don’t know what to tell you, other than the common man is under assault from all directions.
It sucks, but it is that.