[RickJWagner]

Sure, ok.

But there are many, many people who can find financial success with a little knowledge and discipline. The FIRE community is full of people on all points on the journey.

On the other hand, giving up and spending what you make assures you won’t become wealthy.

For many people, it’s a choice. For a few, circumstances and bad luck drive the end result. I think it’s wise to prepare as if you’re in the capable majority, not the unfortunate minority.