While separate accounts are now possible for more Americans, who are flush with bull market bootie, they aren't feasible for someone who can scrap together only the bare minimum investment.

FORBES: Move over, mutual funds

Maybe Nintendo gamers will scrap together a compelling petition.

FORBES: 'Castlevania: Lords Of Shadow 2' Coming To PC - Not Wii U

Of course, even if you're lucky enough to be a six-foot-four, 300 pound, left-handed Van Valkenburg with five amateur radios, it's unlikely that you'll scrap together enough in scholarships to pay for one year of college tuition, room and board.

FORBES: Magazine Article