Yes. From time to time there's an article about "the millionaire next door", typically a school teacher or such, who through regular savings and investing in safe mutual funds and blue chip stocks, quietly accumulated quite a bit of money, which they left to the local library or museum when they died.

Yes, but it is difficult. The higher the risks, the higher the rewards/profits.

Yes. It takes some work, but it is reasonably possible.

No, not many people know how to invest smartly,

yep.

no