The economist talk to the top 1%, not you. You need to know what your condition is before you can fix your condition. Adjusted for inflation, real household income is not increasing and you are getting squeezed. Wages are being deflated, cost of living is being inflated. Nobody has money to save or invest because they have nothing left over. 76% of Americans are living paycheck to paycheck. Get your income above 104K The only people that can save much is the top 10%. Commit to increase your income. The Middle class is shrinking and getting punished.
How would you get from 52k to 104K. join a network marketing company, start a side business, and find a vehicle where you can attach yourself to the revenue!