Not in my experience, no. I adore studying Dave Ramsey, male, who became a millionaire from saving and spending wisely. However, my boyfriend spends every dime he earns. On the other hand, I save 40% of what I make because I don't have to pay for where I live because I positioned myself right here for the exact purpose. The money adds up and my savings are flourishing. Anyone can save money, they just need to find the tools to doing it.