It does work, no? It started for me when I went through my conversion to Christianity and started really tithing (10%). It was slow but steady. I have never made much money but I save and haven’t owed anyone anything for years. We don’t go to Hawaii but then we don’t particularly care to. We do vacation where and when we like, though. We always pay cash for stuff like cars. We’ve never had a new one and we’ve never had monthly payments for one either. No rent and no more mortgage is a big thing, too. I learned how to use a credit card and use it almost exclusively. I don’ pay interest on it because I keep it paid off and it keeps me from dribbling away money buying cups of coffee at the 7-11 or lottery tickets as I used to do.
Your right about tithing. It is another secret to being wealthy and giving.