"I find that a lot of his advice is fairly useless unless you have some money to begin with." The bulk of Money Mustache advice is about avoiding paying money

"I find that a lot of his advice is fairly useless unless you have some money to begin with." The bulk of Money Mustache advice is about avoiding paying money for stuff that doesn't really improve your life. This advice is actually more important for people who don't have money. As Mr. Money Mustache points out, most things we buy are "luxuries", we don't need them. And adding a little hardship to our lives, avoiding needless luxuries, actually improves our happiness. See, e.g., http://www.mrmoneymustache.com/2013/08/29/luxury-is-just-another-weakness/ http://www.mrmoneymustache.com/2013/08/29/luxury-is-just-ano... --or-- http://www.mrmoneymustache.com/2012/03/07/frugality-the-new-fanciness/ http://www.mrmoneymustache.com/2012/03/07/frugality-the-new-... In other words, "what the hell is someone doing buying a $1,200 tv on credit?!" What's wrong with a $400 tv? Or a $200 tv? Or no tv?