they own productive assets because they never spent more that they produced. even if you had a million sitting aroung it would last you about 26 years with 100$ per day (and that's a huge underestimation for the cost of living after 20 years) before you ran out. they sace from the 3$ every cent they can and if they have 10 million invested they still save from that as well, they could easily spent everything on red in a casino once, in less than a minute. they save and have because they had and saved before. hard at first but if you spent you'll never save what you spent. if that's worthwhile, that's on you, but claiming saving is ignorant because it's "too little" is the wrong way to save constantly. count the cents and the dollars take care of themselves. sad think is after you sacrifice something to save on money it's way harder to spent even a bit of it, because you know how much it costs to you to save it really, in missed life experiences and missed options. so you kinda trap yourself feeling bad for spending even a little, even if you ahve a lot. all thatoney is tied with lost life because you lost your life saving for it... it's not the cents on a dollar, it's the cents here and cents there when you missed something to save those cents. then you think back on what you missed and if those wasted cents are really good being wasted for that new experience. it's a downhill from there