How Not to Be Poor

Dr. Helen Smith offers good advice that works in the real world. 

How Not to Be Poor
 http://pjmedia.com/drhelen/2014/09/29/how-not-to-be-poor/?singlepage=true

I've tried it both ways, and my life experience has taught me this:

•  It is better to be frugal than to spend freely. 

• I am never sorry to have money in the bank. 

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Update

A reader asked, what do I do for income?  

Thanks for the interest!   My income comes from rental properties and "passive income" from the stock market.  I don't have a day job anymore.  I did once and used it to fund my real estate and stocks.