This is not true, or at least the entire picture. If you make $20k a year, you can save as much as possible (and still live with running water, etc) and you won't have $450K in 10 years.
He's saying that saving money is an inefficient and very conservative way to make money. He's right. Putting that money to work by incurring risk would leave you with much more cash in the...
Right but you seem to think that uppers and downers offset in some sort of equilibrium. Taking uppers and downers simultaneously is one of the most dangerous drug interactions there are.
Honest to god thought I was dying once when I took ECA the day after heavy drinking. Cold sweats, thought my heart was stopping, nervous but exhausted simultaneously.