right! it's not some big message. He's just saying...take your financial future into your own hands through education and knowledge. he's not saying can your 401k. Just don't be limited by that. A 20$ investment in this is 5k and that 5k has a multiplier built into it...what has the potential to give such a return with 20$? so what even if not. 20$ buys a pizza. immediate gratification that soon diminishes leaving you nothing but wanting more.

At least with this $20 you got a chance at changing your life. better then lottery tickets. jmho.