I kept waiting for you to flip the switch and point out that most of us can't really aspire to top-tier wealth--that to get truly wealthy, you need to get yourself into a position where you can legally steal others' money and do that.

The next best way to become wealthy is to work for a company that will give (not sell) you equity in it.

All this little-by-little discipline stuff will maybe make you better off than you otherwise would be, but it won't make you truly wealthy. If you lose your job, your carefully-hoarded savings and investments will drain away. And this will happen to most of us often enough that we will never really accumulate much, because the minute everyone starts to get ahead, the fed will engineer a recession to increase unemployment and decrease wages.

I'm really disappointed in you--peddling this same advice that keeps all the hamsters on the wheel instead of giving people the truth of where wealth comes from and goes.