My big problem with these "do it like the rich" advices is that poor people don't have money to invest because they live from paycheck to paycheck. It may also be a reason that rich people have better financial education but if they were poor and had no savings at the end of the month, they'd struggle, too.

Your tips look reasonable but have in mind that every recession or crisis increases the difference between the rich and the poor and this is not healthy for a society in the long run.