There is a difference between those with high incomes, and those with wealth.

You can build wealth with a low income. And in fact, my in-laws are make poverty level wages, have more wealth than this doctor.

My aunt, who has worked at low wage jobs all her life as a cleaner, and her husband, also a low wage jobs, have managed to be millionaires in their late 50s by buying Vancouver property. 

As a lowly family doctor in my mid-30s, with a child and a stay at home wife, my net worth is 2.5 million, 1.3 million in investable assets that generates 45K a year of dividends. Not all of us doctors are financially inept.

And we don't live poorly. I take the train to work (takes me 20 minutes), we have one luxury SUV that is 6 years old. We eat out when we want. We just don't buy new vehicles or lease vehicles every few years. It's all about prioritizing, saving, and investing.