100k was a lot of money like 40 years ago. It's a decent living for a professional, but your options for investing and building wealth at that level are basically your house and small TFSA level stuff.

You aren't near being an "accredited investor," who is someone who can actually make money investing in new businesses.

The conditions are:

• An individual, alone or with a spouse, who has net assets of more than $5 million

• An individual who has a before tax income of over $200,000 for at least two years in a row ($300,000 if combining income with a spouse) and expects to exceed that income the current calendar year

That's who gets richer. Everybody else gets a little bit of savings upside, with all the downside of 2008.