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There is a grocery company in Florida where most employees by retirement time they are most of them millionaires.
The reason they are, is simple. They purchased the company stocks and hold it till retirement. The company tends to split their stock after a number of years and most of the employees believe they will make it so they live within their means and invest heavily.
I think in this case it is a culture and it works for them.
Indeed, in this case it's a culture and I belive it's good to develop such a culture everywhere if possible.