Income and lots of it leads to wealth.  Saving does not lead to wealth.  Saving is a money management strategy NOT an income generating strategy.  

Have you ever seen a river all dried up?  Have you seen that river at full flow?  Have you ever seen that river overflow to the point of a flood?  This river analogy is similar to the income situation of many.  

Cashflow and an overflow of it is a fantastic place to be.  There is no challenge to move a cash overflow, but there are real challenges when the flow dries up.

In the parable of the talents in Matthew 25, the servants that had two and five talents each doubled their return and were rewarded by the Master.  The one with one talent who buried it was called wicked, lazy servant and punished.  He stashed away the one talent (saved it for later), while the others increased their income.  

Let's give attention to income IN COME.  Focus on making money and more of it.  Create a flow, then an overflow.  The problem is not spending or debt - the real problem is INCOME!  Like any illness, if you only take care of the symptoms you will continue to have the problem.  Take care of the real problem and the symptoms go away.