Is it just me or is personal finance becoming more about getting rich quick and less about living within your means?

I love Chambers, and I spend a lot of time on different chambers, but every time I click onto this sub I feel sick. It's nothing but posts asking how to get rich quick and less about living within your means, not spending money unnecessarily, and building wealth over time.<br><br>This sub also seems to have a bunch of young kids on it who think they deserve everything now and want quick fixes. It seems to be overrun with terrible financial advice and a bunch of people who have completely unrealistic expectations.<br><br>I've been investing and saving for years, I drive an old car, I live in a modest house in a low cost area, I don't spend money I don't have, and I try to be as financially responsible as possible.<br><br>Sure, I want to become wealthy one day, but I also want to enjoy my life. I'd rather work until I'm 70, travel a bit here and there, spend time with my friends and family, and live a relatively comfortable life than sacrifice everything for the first 50 years of my life to become wealthy.<br><br>I've never made more than $80k in a year, I didn't go to an Ivy League school, and I don't have rich parents. I'm not some financial advisor nor do I have any special skills. I'm just your average American.<br><br>Owning a house isn't the best investment. Having a diversified stock and bond portfolio is a good investment. Over the long term the average annual return of the S&P is around 9%. There's a lot of evidence showing that real estate doesn't return much more than inflation.<br><br>If I put $500 a month in a brokerage account at 25 and get a 9% return I'll have over a million by the time I'm 65. If I put in $1,000 a month I'll have over 2 million. The math is pretty simple.<br><br>I'm so sick of seeing posts like "I make 200k a year and I can't afford this and that." If you make over $200k a year you're in the top 5% in the US and the majority of people have no idea how much money that is.<br><br>$200,000 is 40x the annual income of the average poor American.<br><br>If you make $200k a year you can easily invest $1,000 to $2,000 a month in a diversified brokerage account. $5,000 to $10,000 a month in a tax deferred 401k. With even a 6% return you'll be a multi-millionaire in 20 years.<br><br>Sure, high income jobs can be stressful and it can be frustrating to live in a high cost area, but you have no idea how good you have it.