That advice isn&#x27;t aimed at people who are genuinely poor, it&#x27;s aimed at middle class whiners who earn middle-class money and still complain that they &quot;can&#x27;t get ahead&quot; and &quot;will never be able to retire&quot;.<p>MMM has never claimed to be frugal -- indeed, he likes to talk about the &quot;extravagance&quot; of his $25K pa spend for a family of four.