Cramer: All That New Wealth Will Push Markets Higher

More Americans are wealthier, whether from a successful IPO or a Silicon Valley acquisition, or just a 401(k) benefiting from the market's surge. And CNBC's Jim Cramer said that it makes sense to invest those gains in stocks.

An environment permeated by an "ideology of skepticism at all costs" has wrongly kept people out of the market, despite the rally, Cramer said on "Squawk on the Street" Monday.

On top of increasingly strong fundamentals for companies that invite investment, a great deal of new wealth is being created—and it has to go somewhere, he said. Tumblr founder David Karp, for example, needs to do something with his new wealth, and it will likely land in the market, Cramer said. (It was announced this weekend that Tumblr is to be acquired by Yahoo for $1.1 billion, giving Karp a payday of several hundred million dollars.)

(Read More: Yahoo to Buy Tumblr, Vows 'Not to Screw It Up')

"The money that is coming at these entrepreneurs, he's going to put that money to work," Cramer said. "This kind of capital injection is not anecdotal anymore. These guys, like the Facebook people. Think about what they do with their money. They don't buy 10-year Treasurys.

"For the most part, what they do is they plow it back into Google, Yelp, Groupon," he said. Karp "is not going to sit there and buy old tech. He's not going to buy Texas Instruments."

The mega-wealthy won't be the only ones pushing money back into the market, with regular investors feeling more confident as stocks rise. "401(k)s are back," Cramer said. People are putting money in again because it makes sense. It makes sense to invest. It does."

(Read More: Don't Let 'Dead' 401(k)s Skew Your Retirement Plan)

"You could throw darts at this market, and unless it hits Agnico Eagle, Barrick or Newmont, you're doing well," he said. "When you see the airline stocks move, when you see the mortgage insurers move, wealth is being created. It's just not trickling down fast enough.

"Other than the gold stocks and the iron and steel stocks, there are very few stocks that have been bad," Cramer said. "If you were underinvested like a lot of hedge funds, you're behind," he added.

— By CNBC's Paul Toscano. Follow him on Twitter and get the latest stories from "Squawk on the Street" @ToscanoPaul