That doesn't sound like a pragmatic response at all. "Keep doing what you're doing unless it doesn't work in which case do something else" That sounds like wo

That doesn't sound like a pragmatic response at all. "Keep doing what you're doing unless it doesn't work in which case do something else" That sounds like woody allen. The vast majority of savings is simply unspent income. Income accumulates at a more or less fixed rate, and the extra income you get for extra experience grows much faster than the extra income you get from interest on the unspent portion of that. If you want to have more money, MAKE more money. There is a maximum amount of money you can make with your skills, If wealth is truly your goal you should figure out what that is, and do whatever is required to get it.