One of my "favorite" anecdotes from work. Colleague A is a six figure salary. He has a fancy townhouse, luxury car, and regular expensive vacations. Colleague B is making half of A. They were talking about investment opportunities.
(paraphrased)
B: Check out this (some kind of investment). You only need about 10K to start.
A: I don't have 10K lying around.
At that point, I wanted to say something but it would've been rude. So glad that B said something along the lines of "you have to start saving up".