Heck we all need it. But with current unemployment rates many of us don't have it. I am not the richest person in the world. In fact, I am just a guy with some ideas and in need of ways to execute them. People think you need to have money to talk about it. I disagree. The author of Rich Dad Poor Dad didn't have much money while writing his book, but you guys still accepted his knowledge.
It's a stable income we all need to become able to make money passively online. Residual income is what everyone should be look toward after establishing a solid income. Let's say your job pays $600 dollars a month - leverage at least $25 dollars of that toward an investment pool or residual opportunity. Hell, save some to hire a web designer to fix your website up. I am considering doing this myself. I have realized you can't do things alone in this new world. The economic instability doesn't seem like it is going away anytime soon.