I was at an estate sale where I got a great deal on some dinner plate sets. What amazed me was how many they had, plus hundreds of glasses of all kinds.
Going into the house I saw there were hundreds of hardcover novels. It was a very modest home, but was filled to the brim with so much shit!
And then it hit me: This was their 401(k), and by that I mean that they simply didn't have one, because they frittered away $25 here and $8 there, buying a bunch of crap they didn't need. Commemorative glass sets, another Christmas decoration, the latest book that you read once, and hopefully liked, and then never used again.
I was probably looking at $150,000 in raw capital, and $750,000 if invested.