There's no easy answer, beyond the two infinite (and equally, vague) options : "make more", and/or "spend less". Many who make it have the key advantage of ha

There's no easy answer, beyond the two infinite (and equally, vague) options : "make more", and/or "spend less". Many who make it have the key advantage of having been nurtured into that outcome across their first 2-3 decades of life, by a strong or effective family foundation. And from there, naturally, the so-called network effect opens that gap yet wider. So it stands to reason that, for those outside that advantaged demographic, some degree of 'breaking the mould' is often required, in order to raise oneself up. And there are so many ways. Conversely, so many factors of inertia and lock-in. The average salary is so easily spoken for, in a life of weekly car payments, weekly phone payments and expensive phone plans, digital subscriptions for music, movies, TV, apps, games, quizzes, every spare dollar going to the endless and essential bargains on Amazon and Aliexpress, 1 x coffee or 1 x beer @ $5 a pop, throwaway fashion, neverending rubbish processed and convenience food in the trolley, while paying others to cook and deliver us food, a brand new service entering the market every day with an accompanying "small fee". A million ways and reasons to turn your money into the profit of others.