I'm sure you can spot the problem — and the solution — yourself. I haven't a clue if it's even possible to gain leverage against the whole stock market on the personal level, but I'm sure we can alleviate the other ailment. ("We"? Not you or me. How many financial specialists are there in the US?) Hence, "classes", not "a handful of lectures". According to your own prognosis, young people today would need a lot of help because their parents would be fucked. Implement one step of the Adulting Program (which is a terrible name, but — "for want of a better term"), and you're in the black. Speaking of which: let me recount. - old folks getting older and leaving jobs, not paying (as many) taxes - young folks getting older and leaving entry-level jobs — and a void in their absence - younger folks working fewer since being fewer, tax income for the state shrinks - older folks will need care for, will receive less since... - everyone sees decrease in health insurance, no one can do a damn thing about it If I follow — and feel free to correct me if I don't — this results in: - young folks getting sicker, which inevitably means decrease in production and, therefore, decrease in GDP - older folks not getting any healthier, but with fewer dollars per illness per head, fewer of the older folks are getting treated, leading to more preventable deaths - younger folks would be forced or lured into working to compensate for the sudden massive void where money used to be 20 years ago - nobody wins, everybody suffers Am I getting near?I'll also point out that we're beyond "how to read a prospectus" here, we're at "how to make passive income in an environment where you have neither the leverage nor the knowledge"