 Because you are just a crazy little kid doing dumb stuff. And that isn't going to get you rich. But it's the same thing. When you get to be middle class, you elevate your standard of living again and again and again and again. And every time you think you just got a raise and got ahead, you've gone backwards. It's really a dumb way to look at money. It really is. Save anywhere from 50% to 70% of what you earned.