The greatest change has been in the dissemination of information. Information by itself, however is of no value. But you need the information. Each generation has more access to information. It has never been easier to buy a home, start a business and set up an investment portfolio.
Interest rates are at historic lows and banks are becoming more accommodating with their lending.
There are many organizations that want to assist the small business startup by providing tax breaks, low interest rate loans and grants. And there are companies like The Bryant Group that help individuals to participate in the accumulation and growth of financial assets. The internet is a driving force behind leveling the playing field. From disseminating information to connecting clients to service providers, the internet has great potential to help reduce the wealth gap. High income is a good start, but not a requirement.