Deuteronomy 15:11 "For the poor will never cease to be in the land; therefore I command you, saying, 'You shall freely open your hand to your brother, to your needy and poor in your land.'
First, let me say that you can make money in stocks whether they go higher or lower. Secondly, I never understood why people are so eager to pay the payroll (social security) tax. That is 7.65% of your income and people under 40 will never see what they paid in. Finally, blowing your money or keeping it in an account that pays less than 1% means you are going backwards financially.