>>Spending excess money on drinks and video games is not simply a matter of being to undisciplined, it's a real need Sorry but this is the most absurd statemen

>>Spending excess money on drinks and video games is not simply a matter of being to undisciplined, it's a real need Sorry but this is the most absurd statement I've read today. I'm not sure why this happens to most people, but they are deluded to think that small leaks here and there don't matter. While the fact is that preventing those small leaks and then saving that money is all that matters sometimes. In my country(India) its often a heart burn to most people when they realize some one earning 1/10th their income is financially light years ahead only because over the past two decades, they invested the money they consider 'leaks' buying stuff like real estate, generating rent income and reinvesting that money to buy more real estate. Or Gold. You will be surprised how far you can by just routinely investing small money. >> There's no way that you could ever work as an employee and make a billion dollars without either very risky and lucky investment, or a CEO's salary. You can never devise a general strategy to achieve exceptional goals. But in most common cases saving and investing a little routinely will keep you rich. You can choose not to believe in it, or you can believe in it and do it. Either way you will know. You will get rich yourself or you will see someone else getting rich. In things like these time can be a big factor(Think compounding). Those who started early are mid way, and soon will be ahead.