Except that it&#x27;s not rubbish. Most people <i>do</i> spend large amounts of their paycheck on things they don&#x27;t need. Just because he makes good money doesn&#x27;t mean his concepts of saving a large percentage of what you earn aren&#x27;t sound. They apply to all income levels, even more so for the lower ones.<p>Following his advice and sticking to a budget has gotten me from saving nothing every month to saving at least half of my take home on the same salary. Most people spend their money without thinking and then look for external sources to blame when they run out.