pull down to refresh

The regular person doesnt care about 'hard money,' they just want some money in their pocket to buy something with.

And the extra money? (If they have any) it goes right into the stock market which as of late continues to 'go up' with huge IPOs.

Regular people put their money into stocks, essentially dumping dollars for shares, and the shares continue to go up, so why would they want to do anything else? I'm talking about regular people.