The secret to being well off and rich isn't how much you make. It's how much you spend. The basic question--"do I really need it?" is the key to financial stability for the less-than-millionaire set as well. Frugality starts by aggressively paying down your credit card debt. Money for that process can be had by not paying $5 for a cup of coffee every morning, or more radical approaches, like selling your house and buying a smaller one and using the proceeds to pay down debt.