We were told to work hard, follow the rules, and it would all pay off. But that advice was made for cogs, not creators. The people thriving under capitalism aren’t working harder than you. They’re using their money differently. This guide breaks down exactly how low- and middle-income parents can stop spinning their wheels and start building real capital. Starting with the income you already have.

This isn’t just a blip—it’s being called the biggest crash since 1929. But it’s also not our first rodeo. So before you torch your IRA, 529 plan, or brokerage account to start stashing cash under the crib, read what’s happening, what history teaches us, and how to protect your money without losing your mind—or your lunch.