[zthrowaway]

> "Wealth is accumulated through habits" is a great story to tell people but it seems very often to be complete BS.

I'm surprised this hasn't been mentioned yet, but I encourage you to dig more into financial independence, and how living more frugally can help you save more money to invest in the right ways to generate wealth. There's plenty of books on these habits, "The Millionaire Next Door", and even some popular communities that attest to it such as https://www.mrmoneymustache.com/.

You don't need to be rich to generate wealth, but it takes sacrifice (like everything in life), or even habits to get there.

[jsjsbdkj]

If you make 35k a year, what would you sacrifice to save up to become a millionaire? What if you need a car to get to work because public transit has been gutted in your community? What if you have kids?

The whole "personal responsibility" myth is designed to fool comfortably middle-class people who still do labour all day into not resenting the elites who live solely off the surplus value of their labour. It tells you to aspire to "passive income", which is ascension from the worker class into the capital class, instead of redistributive policies that would harm the capital class. You're not poor, you're a temporarily embarassed millionaire.

[jimbokun]

Without pre-existing wealth, the "Money Moustache" paradigm pretty much requires

1. Get college degree enabling 6-figure income.

2. Marry spouse making 6-figure income.

3. Live off of 1 income for 10 years or so, save the second income.

Then you can implement Money Moustache style finance plans. Or maybe for singles if you can make 6 figures and save over half of income.

But yeah, on 35k it's not very useful advice. Except "get a degree or training to get you into 6 figure income bracket", which may not be realistic, either, given existing time commitments.