Without frugality none can be rich, and with it very few would be poor.

Wealth is a gap rather than an income. Two people earning the same amount end up in different places depending on the distance they keep between what arrives and what goes out, and no salary is large enough to outrun spending all of it. The reverse does not hold, though. Plenty of people are poor for reasons no care with money can reach, and thrift is no cure for low wages or bad luck.

Work out your own gap this month, honestly, as a single number. Then try to widen it a little rather than a lot. The habit matters more than the size.