Thank you for your response. You points are well taken.Live below one's means is sound, but better do that with a high income, better be a millionaire miser than a poor miser but much better avoid being a miser altogether. I remember we had already long threads about it, when Surf was active (we saw with a similar eye on that topic), so please excuse me if I bail out of this one, in case it lasts.
Basically the image of Millionaire next door is one of a very very modestly financially successful person.
Regards,