[scoot]

I get what you (intended to) mean, but living within your means doesn’t leave anything to invest - you just don’t have a growing mountain of debt.

[forgetfreeman]

Respectfully disagree. If you're maxing out your spend so at the end of the month there is no surplus you aren't living within your means. For a lot of folks this is an ugly necessity, but programmers generally aren't in this group.