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There's research supporting the optimist strategy but I'll be lame in that I can't link you to it without searching for it longer than I can dedicate time for.

• Supermancho 5y ago
  > I learnt that even an average engineer with a five-figure salary can become a millionaire by her late 30s, through financial discipline and investment planning. I can collect enough pennies to have a million dollars too. What do you trade for that and how likely is it that you will have the resources to live it out? His living expenses are put at 0 with a network of whatever his salary was. No rent, no car, default employer health insurance, 600/mo to eat ramen and cover utils, no kids, etc. > There's research supporting the optimist strategy The statistical evidence supports the pessimist strategy. In theory, theory and practice they are the same... These blogposts feel like clickbait to troll. It inevitably leads to people arguing past each other with the predictable outcome of neither being wholly right, but the optimists blowing sunshine like it's a useful fairy dust and the premise remains laughably unrealistic, regardless. I know plenty of dirt poor optimists.