The argument: making money is easier than ever, and the main thing holding most people back is that they never try — encouraging for anyone willing to act, harsh on everyone else.

• There are more young millionaires now than at any point in history.
• AI has put the world's know-how within reach, so almost anyone can get a workable money-making plan in minutes.
• Ask AI how to make $10,000 this month and at least one idea it gives back will actually be viable.
• The only gap between the person who made the money and the person who didn't is that one of them tried it.
• Competition is weaker than ever because most people simply won't put in the effort.

Outlook: The tools keep getting cheaper and better, so the advantage will keep shifting to the few people who act on them.