I think that it's also good advice if you're not poor :)
Your second point is absolutely correct, but I still think that my comment answers the root question - how did you set things up such that you're automatically being given money for free on a regular basis? - in a way that is simple, requires very little effort, and has a very good chance of working for many people who are able to try it.
Your second point is absolutely correct, but I still think that my comment answers the root question - how did you set things up such that you're automatically being given money for free on a regular basis? - in a way that is simple, requires very little effort, and has a very good chance of working for many people who are able to try it.