We’ve all seen the how-to-be-rich articles that advocate trimming your luxury expenses in order to solve your money woes. It makes sense at some level: if you’re struggling for money, forget the weekly pedicures, avoid lavish vacations, and cancel that streaming service you never use. If you’re making a big purchase, buy a cheaper car or appliance, and pay cash as much as possible. And you can always toss in a side hustle or two…