Don't save the money you have left after you spend it; spend the money you save. Income - Savings = Consumption This may sound convoluted, but it's the watershed between rich and poor thinking: ‼️The "Moonlight Trap": Income - Consumption = Savings. The result is that desires are never satisfied, and savings are almost zero. The Buffett Model: Income - Savings/Investment = Consumption. The result is that you first secure the capital to "make money work for you," and only then can you spend the money you have.