I've been seeing that first hand. I'm trying to open up shop but good talent is crazy expensive, office space in even New Jersey can run about 5k a month then insurance then all kinds of unforseen expenses. So you walk into a business day one in the red and then you're fighting markets and compeition to get to the black. Unless you have substantial financial backing or a deep disgust for working for others you're going to have a long uphill battle. Personally for most people I think the path to wealth is having little to no debt owning where you live saving 20 percent of what you earn and investing 20 percent while living on 30 percent.