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Actually most of us work for a living and don't have the luxury of having enough money for investments to be practical in the first place, but I guess you can pretend it's necessary to get by if it makes you feel better about it.
I make a median amount by working a lot. Median is median, "most of us" just mean you don't understand stats. Most people have some savings. I'm not swimming in any pool of gold coins, but anyone with any savings at all can put it in investments. 61%.of Americans invest in stocks. Mr. Walz chooses not to and does it to make a statement as a politician. He represents the minority by doing this,. Not the majority. I respect that, but he can afford to do that. I can't. If you're not investing at all because you are not able to save anything, I hope things turn around for you soon.. That would put you in the minority, not "most of us". If you have savings and are not investing it's either being foolish with money or having an agenda like Mr. Walz. That disuades you from doing so.
And of that 61%, only a third are directly investing. The rest get it as part of their compensation package for their work, which they can't benefit from without penalty until retirement. Additionally, it skews heavily by race. It's 66% of white families, but only 39% of black families and 28 percent of hispanic families. The amount invested follows similar trends.
https://www.pewresearch.org/short-reads/2024/03/06/a-booming-us-stock-market-doesnt-benefit-all-racial-and-ethnic-groups-equally/