I know few here will understand this, but trust me, from an older wiser very successful investor, do yourself a favor, get into the stock market early, no excuses. Pick companies you know will do well. You’ll be able to control your future. Spacex will create more millionaires than Tesla + Apple + Microsoft combined.
That’s literally not how it works.
You buy a share of stock and participate in their gains.
For example, I owned a bunch of Tesla stock since around 2017.
Now I have a ton in the stock as well as a new house and a model s plaid thanks to their greatness.
Did the same with Apple, that is my retirement and travel fund. it ain’t hard.
Way better returns when you take charge of your investments rather than bitching about the government, anyone can be a millionaire with minimal effort, just being smart.