One of the key lessons that I taught my students is that poor people and rich people have wildly different philosophies. For example, here's the philosophy that ensures poverty: spend your money and invest what is left. The bottom line is that this strategy will make you poor.
On the flip side, here is the philosophy that will make you rich: invest your money and spend what is left. You can have the same amount of money, but thanks to a difference in philosophy, you can achieve dramatically different results.