I am not saying people shouldn't enjoy anything. I qm saying they shouldn't zhrow away money on ALL of the unnecessary things and then proceed to cry they have no money.

Noone is poor, because they have an avocado toast every now and then. or because they buy a piece of clothing they fancy. Some people just don't seem to be able to figure out. thst expenses add up and that if you spend a little all the time, it adds up to a lot over time. That is what I am saying.

Regarding your second paragraph, I have a major issue with your assumption, that you need a lot of excess liquidity to make it work. You can start trading with $50. Literally anybody including kids can save that much relatively easily. Starting your own business or investing into real estate do require several orders of magnitude more money (not always, but mostly yes, but stocks, indexes, crypto, or forex are all quite cheap to enter and each and every one of them is likely cheaper to enter than a typical millenial in the 1st or 2nd world spend on unneccessary things every single month. By this point, this is likely to applyto gen Z as well.