I am talking about real money, not upper middle class money. "Budget. Get your expenses under your income. Set aside an emergency fund. Pay off your debts as q

I am talking about real money, not upper middle class money. "Budget. Get your expenses under your income. Set aside an emergency fund. Pay off your debts as quickly as possible. Then start investing for retirement, house, kids college, etc. While avoiding new debt." This is mostly common sense. But I guess so is the workout / sleep / drink enough water comment I made earlier.