I mean I started out broke working minimum wage jobs and got into the trades. Never spent more than I could pay for with cash if I had to. Look into churning. Its more of a game at this point. Didn't go to college, don't have a giant house or fancy cars. I live well within my means and save what I can afford to. But I also buy what I want within reason for myself and my family and eat well because my wife can make a fantastic meal with a fancy cut of meat or a tough cheap cut of meat.