spending less / saving more is a almost a function of psychology. People need to be in better control of their impulses and reject advertising that makes them feel insecure about the looks, clothes, cars, luxuries, etc.

Budgeting would be the second key part of spending less / saving more. is a fantastic resource – makes budgeting, and even more importantly, tracking your spending, simple.

invest wisely – everyone should read Benjamin Graham’s Intelligent Investor. While it speaks to some concrete investing techniques, it also focuses on the psychological side. Again, investors read about other people making huge returns or they want to “get rich quick” and take too much risk. Saving money and investing it smartly and safely will quickly help people get ahead.