It takes time to build the financial discipline necessary to save when you can, and the same goes for building the analytical skills needed to estimate the value of a security or to distinguish a mispriced asset from one with limited growth prospects.
The rise in the volume, variety, and velocity of data, the arrival of many new types of analytical tools all across the business intelligence value chain, and the emergence of new forms of computer science dedicated to data processing such as Hadoop, has created a vacuum.