If you have a million dollars and make 10% a year, you can walk home with a 100k a year income. And making 10% a year or just under 1% a month is not terribly tough. With 5k, you need to make a 2000% return to make the same money. Not going to happen. The guy that makes 10% a year takes very little risk and enjoys a nice income. The guy with 5k has to shoot for the moon every day, live under an incredible amount of stress and his odds of success are slim to none.