&gt;  Most people do spend large amounts of their paycheck on things they don&#x27;t need.<p>Maybe. Or maybe they&#x27;re spending their paycheck on things that they do need because they have to work for a living, they can&#x27;t live by renting out their assets like MMM can. Example from the other branch: MMM can say &quot;buy a bike instead of a new car&quot; because he had the privilege of putting his &quot;job&quot; (rental properties) as close as he liked to his house. Most people don&#x27;t have that option.