re: Does the middle class not invest?

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Sure. Overall point unchanged

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Agreed

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and plenty started on 3rd base while this guy is still at the batting cage.

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I've wondered about the definition of "plenty".
What percentage of Americans do you think had a trust fund for them?

Personally, I think it is overstated about how many people "start" on third base. From the starting line in a race, it is difficult to have proper depth perception and distinguish how far ahead people really are. At the starting line, all that is known is that a lot of people are ahead. The distance is muddled.

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Nothing wrong with either end of that but I think it’s fair to acknowledge the wide gulf between the two

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I'm curious to you opinion of people starting with trust funds. It is a wide gap to people with trust funds. I just dont think that many people start there.