The stock-owning Americans include anyone that has money invested in pension funds, k retirement plans, IRAs, mutual funds, ETFs or those owning individual stocks like Apple AAPL , Tech30 , Ford F and Tesla TSLA. Daily coffee consumption has been growing in recent years, while stock ownership peaked in -- just before the worst of the financial crisis and Great Recession, according to data from the Federal Reserve.

Who's getting rich off the stock market? Missing out on the bull market: Americans who have kept their money on the sidelines are likely regretting it.

The stock market gains are only making the rich richer, exacerbating the nation's inequality problems. Apple stock is making regular Americans rich. Why people don't invest: The Bankrate survey identified a number of factors that keeps people from investing. The biggest problem by far is that people don't have enough money to invest. As CNNMoney has reported , median household income in America isn't much higher than where it was in Many families simply aren't seeing their finances improve enough to feel comfortable investing in stocks.

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Half of Americans are saving next to nothing. It's particularly problematic among young adults. Just over a quarter of adults under 30 reported having any money in stocks or in funds that invested in stocks, according to the Bankrate survey.

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Young people have the most to gain by investing in stocks since research shows that they the market is likely to rise a lot in the decades before they retire. The next largest barriers are that people don't feel educated enough about the stock market, they don't trust stock brokers, and they think it's too risky to be in equities. Randy Frederick, managing director of trading and derivatives at Schwab's Center for Financial Research gets a lot of inquiries from fearful investors who aren't sure they want to get into stocks or get back in.

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