This is gilded age, they should start hording cash for when the market crashes.

What makes the rich grow so exponentially rich is their ability to get highly leverage accounts for equity investments. There is no better way to build wealth than the stock market and access to large quantities of capital.

Today the wealthiest 1 percent put three-quarters of their savings into financial investment assets, primarily equity. By contrast, the middle class had 63 percent of their assets tied up in their homes, with home equity accounting for about a third since they have large mortgage debt.

They use their current assets (often tied up in the value of their own company's stock) to obtain leverage positions and they use hedge funds heavily to get a double digit return on investment year after year. A recent survey from Spectrem Group found that nearly half of investors surveyed with $25 million or more in investible assets are expecting returns of 9 percent or more this year. More than a quarter are expecting returns of at least 11 percent. The average household doesn't come even close to that.