A guy making 45-50k a year doesn't make enough money to rate high enough in the food chain to get breaks like those of the upper class do to be able to find slick little ways to not only hang onto current wealth, but build wealth for the future.
I disagree. Here's why: That person who's making 45-50K has the limitless potential to earn much nigher. It may take education, it may take more work - whatever.
It's the person's decisions that dictate their income level, not their situation.
Please listen to a true story that shows how you can create opportunity when it's not handed to you:
A good friend of mine was rightfully convicted of a few crimes. Spent 4 or more years in jail. He came out and had nothing. He started over again from nothing and worked as a carpenter's laborer - not making much money. Because he wanted more from life, he spent his work days learning as much as possible about carpentry. In a few years he went from no carpentry experience, to being a pretty good carpenter - specializing in finish and trim.
A few more years go by and he becomes a supervisor, making even more money than before. He learns how to run jobs and decides that he can work for himself. He assembles a crew of workers and becomes a carpentry subcontractor. He takes this business and grows it pretty quickly. He has 24 full-time employees and he begins to learn about general contracting by being a subcontractor,
A few more years go by and he's made a name for himself as a really good contractor. He's offered a job as a project manager for a very large commercial contractor. He sells his subcontracting company and takes the job.
In the span of 8 years, this man went from being fresh-out-of-jail, to making around $130K / yr with bonuses - but with shorter workdays than ever, plus he is investing in properties and rehabbing them. He's got a great family now, and wonderful kids.
You know what he had? He had plans and ambitions and nothing fucking stopped him from becoming who he is. It was his drive and determination that took him from nothing, to a pretty well-off family man.
Moral of the story: Even if you fuck up in life and you have nothing, you can make something of yourself, if you don't blame the world for your problems and you take charge of your life and make things happen.
It's just a shame that people are too afraid to sack-up and make moves - they'd rather sit on their ass and blame people for their problems, instead of doing something about them.