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  Jan - you do not have to be rich to invest or have lots of income. In my 22. nearly 23 years experience I have seen people with well below average income spend, save and invest wisely building up a lot of wealth and savings to make them a lot more comfortable later. I have seen others with double the income, do nothing with it and have nothing for their future. As I say it is all about the choices we make in lifestyle. The choice between M&S jeans and designer jeans maybe, or perhaps whether to smoke or not or whether or not to have Sky's full package and so on...
  
  I am amused by what you say about stocks and shares, the biggest risk to savings right now are deposit accounts, inflation is currently reducing their value by more than the current stock market problems have reduced the value of the portfolios I am looking after, if you take even a short 2 year view. Anyway - equity (shares) investing should always be done with good fee based advice.

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