<i>poor people are way ahead of you on the spending less money idea</i><p>not always true.. I know quite a few who still smoke, own a car even if they don&#x27;t really need it, buy the extra expensive, small can of coke, and generally follow convenience over financial planning.<p>these things do add up. will they help them buy 3 houses and live on the passive income? don&#x27;t think so, but it definitely would help them pay for their home faster