Earlier quoted context omitted.
So your advice is "just stop being poor"?
It's a question of living within your means. A guy who's fortunate enough to have an engineering job at EA and IBM shouldn't be having personal financial problems, if we consider that many of the immigrants who make his food live comfortably enough to afford sending half their income back to old country. There's a way to live responsibly in any situation and if you can't then you have room for improvement.
If everything was just easy we'd all just do it.