The average person (American, anyway) has no financial discipline and will spend every dime they make, and then some. If they simply &quot;increase their income&quot; without the fundamental ability to save &#x2F; invest, they won&#x27;t get anywhere long term.<p>BTW, I&#x27;m very good at increasing my income. I usually bring home an extra $2K to $3K a month on top of my day job, and am always looking at ways to grow this.