I have a friend who has a net worth over $5.5M.

He lives in a travel trailer and spends less than $30,000/yr.

THAT is why he is millionaire! He is very careful in spending his money.

He was my roommate in grad school. He actually SAVED up enough to get his masters degree in business. Paid his own way through undergrad as well.

He worked and saved and invested his way to wealth.

For example, when Obama was elected, the stock market bottomed. My buddy bought bond funds in Oct. 2008 that were paying 42% interest! He made a killing when the markets turned up and interest rates dropped.

BTW, he studied the markets intensely for years. It was hard work and study, not luck.

Quit whining. The reason most people make less than $40,000 is because that's all their work is worth in the labor market. Don't like it? Get some skills and work harder.

I once knew a couple of millionaires one of whom had a measured IQ of 80 and one of whom had massive brain damage. They both worked hard and had common sense.

Sometimes, that is enough.