Pretending you have less money than you actually do can be a recipe for financial success, especially in your 20s. Here's why: When you earn more, it's tempting to increase your spending on luxuries. But by living below your means, you can save and invest more, setting yourself up for wealth-building! Regardless of income, practicing financial discipline, living below your means, and prioritizing savings and investments can pave the way to financial success and long-term wealth.