Sometimes, yes, but not generally. I know people who can't help themselves from spending whatever money they've got on random short term pleasures. Even when they receive a windfall, it's quickly gone with nothing to show for it. They certainly don't invest in a more energy efficient house or even bulk buy household items or other boring money-saving things when they have the opportunity. There's ways of thinking and behaving that make people get poor and stay poor. That's not even a bad thing. Some of these people seem quite happy. They're not trying to be rich.