Surveys show that people who choose to invest in multiple ways tend to be richer than people who only work in their own jobs. Therefore, choosing to invest in multiple ways can help people gain wealth. Which of the following, if true, would best refute the above view? ['the education of people who can invest in multiple ways is generally higher.', 'The risk of choosing multiple ways of investing is greater than engaging in only my own job.', 'people will choose multiple ways to invest only after they have a certain wealth.', 'some people who are only engaged in their own job are richer than those who choose to invest in multiple ways.']