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Recently I saw another post criticizing this viewpoint, saying that they quit avocado toast for a weekend they're not a millionaire. Reality is that virtue is a habit, and virtue compounds just as vice compounds.

So to get the real rewards of being responsible, you have to keep being responsible every day. Then one day you wake up and a few dollars at a time you realize you've built something surprising with your life.

Smart money doesn't keep money in money for the exact reason you're talking about.
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Honestly, I may be a millennial, but I don't regularly buy avocado for anything at all so I just used it as an example, but you are correct that the key is finding those daily recurring expenses like daily coffee on the road or meals out instead of brown bagging it.

You know, fair enough. Same as the articles in 2024 talking about them darn millennials when some of them are in their 40s. Given how much I know the media lies about a lot of things, I ought to know better than to adopt their shorthand.