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That can’t be true. I’ve done the math on my living expenses and it would only take a few years of saving in a high interest account for me to be considered a capitalist under that definition. if social mobility was truly that easy no sane person would be against capitalism.
That doesn’t sound plausible like you said. Either you’re way off the average living expenses/wages or have your formulas wrong.
If it only took you a few years of saving, you make enough and spend little enough as a proportion of that that you’re outside the average.