There are so many good ideas in this whole thread, and I think it's good to sift through them and see what works for us.
College - both my husband and I have advanced degrees and yet I can't seem to make more than $7 an hour and he's struggling just to get $11. Why? I don't know; maybe karma, maybe because there's no job security anymore, maybe because I consider being a wife and mother my career and don't give a rat's behind about money and a career....But I do believe in being educated for personal fulfillment. I think you can help more people if you have a sense of the world from the heart. Sometimes a good education or more training can increase that.
Lowering expanses - there's a problem with cutting yourself off from the things you love. Do you need magazine subscriptions? Maybe you live in the boonies and they are your only lifeline to culture. Maybe they just clutter up your house anyway and waste your time. The whole thing about being frugal is that it's not the same as being cheap. It's about making clear cut choices about what's important to you and then finding a way to support that life. I think we all have different needs and wants and once we identify them for ourselves, then we'll know what we can cut and what we can't.
Every world tradition from the Yoga Sutras to the Bible says that giving leads to wealth. They say giving is the very cause of receiving. That that's simply how the flow of life goes. It's not a selfish judgement (oh, I give to receive - rather: if I want to receive life's gifts I should be part of taking care of others).
Now folks may not believe that or understand how that works, but I don't understand how having a good education and training works only SOME of the time, and saving works only SOME of the time, and cutting expenses works only SOME of the time - meaning none of these things works consistently for everyone. So all I'm saying is that if the wisdom of the ages just might work ALL of the time, I'm willing to try it over stuff I know doesn't work all of the time.
And worst comes to worst, if giving only works some of the time, I'm no worse off trying that than any of the other things - but some other people are better off for my having done it.