“Expenditures rise to meet income.”

— C. Northcote Parkinson, British naval historian and author

“The only way to be wealthy is to not spend the money that you do have. It’s not just the only way to accumulate wealth; it’s the very definition of wealth.”

— Morgan Housel, Writer, I read this quote in The Psychology of Money

“But there’s only one way to stay wealthy: some combination of frugality and paranoia.”

— Morgan Housel, Writer, I read this quote in The Psychology of Money

“A luxury once enjoyed becomes a necessity.”

— Jim H., Very wealthy man, a former client of mine