The biggest problem I see that hinders us from becoming rich, is that the living expenses are rising faster than our income. You made a lot of good points in your post that can help us to save money as an adult. But the big issue is still that our expenses are growing once we get older. We need more money for ourselves to cover medical costs and save for retirement, then we also need more money for our family to support our children or parents. Giving our kids the chance to go to university requires savings, same for helping our parents to find a good retirement home. All the costs keep rising a lot once we are get older, while our income usually only rises 1-2%. That means we need other sources of income to offset these additional costs. Having an investment portfolio seems like the best idea, investing in different asset classes like stocks, bonds, crypto currencies and commodities. The broader and better diversified our investments, the higher the chance we make a decent return overtime. But if we don't start young to build up our portfolio over time it's going to be hard to get enough capital later in life.