“My friend has an email account she runs for her ’personal assistant’ (who does not exist), and books her hotels through this nonexistent person on her behalf. She routinely asks for discounts through flattery, ’Oh, Mrs. Smith simply ADORES this hotel chain blah blah…’ and gets her rooms comped all the damn time.”

"The good news is pretending like you have confidence is just as good as having it!"

"That always sounds like a joke, but I kid you not, it is genuine advice. It's called the White Coat Effect, after the lab coats doctors and researchers wear. If you look like you know what you're talking about, people just assume that you do. Is that true? I dunno, I made it up on the spot. I bet you believed it for a bit, though. ;)"

"A lot of people don't appreciate the match. It's as close to free money as you can get."

"And wealthy people don’t cash out their 401(k) when switching jobs like so many middle-class folks. 'It was just a few thousand.' Yeah, and you get hammered with taxes, and can't get back those years of payments and the match."

"We did this when my kid was born. For the first several months, the chef came once a week, bought groceries, and just cranked out a bunch of meals. You’re just so sleep-deprived and in survival mode during those really early new-baby days. Saved money compared to DoorDash, saved sanity because we could finally eat something healthy, and saved time, of course. After a few months, we parted ways with the chef and went back to normal life, but I’d do it again in a heartbeat."

"Look for designer/well-made brands on eBay, etc. I've found that the more expensive the clothing, the more likely people with money will sell them unworn and take offers on the price. I've gotten some nice clothing and coats that way, and people do treat you differently when you're well dressed."

"You should at least have a trust to facilitate inheritance. My grandparents set one up before they died, and they were not rich. My parents have one too."

"This one is surprisingly effective. I’ve been 'thinking about starting' to invest for a few years now. When I started dating a man who’s been investing for a while already, listening to him yap about his investments turned into learning about investing, and turned into me buying my first shares. He also supported my mother in refining her retirement investment portfolio. Without him, I’d probably still think about investing instead of doing it."

Note: Responses have been edited for length/clarity.