But how much of their wealth came from the growth in their investments vs their income from their jobs? Truth is, even if people completely drop their insurance and instead invest 100% of their premiums, they won't be millionaires unless they also have income from well paying jobs. On the other hand, DR supports the MLM industry, where 99.7% not only don't make any money......they lose it.My parents bought term and invested the difference, and are now incredibly wealthy. It worked for them.