The stock market is only for rich people, James? Really? How many people do you know who are NOT rich, but have either 401K or IRA accounts? These are usually tied to the stock market, in case you didn't realize that.
Back during the recession, my retirement accounts lost about half their value. Before 45 came into power, it had returned to its original value plus even more. I also managed to put aside around $40K in savings simply because I do not trust 45 or the Republicans.