That is the key. A lot of people do not know how to be frugal. They grew up spoiled by their parents or parent who couldn't say no. That is the end result when they are adults. There is a lot of stuff people can cut back on. Going to the movies every week? Bad habits like pubs or clubs most nights of the week. Eating out all the time instead of cooking at home. The list is huge.
As for the question of attaining a million being easier for older people, my opinion is that we were raised by folks who endured the Great Depression and WW2. They taught us to spend wisely and save for the future. Somehow the lesson got lost as generations went by and now young children have iPhones and parents spoil them silly. Us older people were working in our school years already. Summers might mean picking berries or whatever was local. Now there are restrictions on how much young people can work.
My keys to attaining a lot of money? Learn the discipline of saving early on. Even if the amount is small, it is that discipline that gets ingrained into one's mind and eventually you are putting several hundreds into your retirement accounts. (depending on your salary of course) Another key is to quit loaning money to the government in the form of overpaying your taxes. How many people get huge refunds every year? A lot. For example if you got $3000 back on your taxes that works out to $115 each paycheck. (3000 divided by 26) That money could be going to your 401k etc. Reduce your withholding so that you get close to break even. As you put more money into your tax deferred accounts, your taxable income goes down more and that provides you with even more money to put away. Usually big refunds get spent on adult toys or vacations etc.
If you get a bonus or a raise, think about what would happen if that hadn't happened. Put those raises and bonuses into your retirement accounts too.
How was my life after all that? I ate well, drove new cars, went on vacations etc. I wasn't deprived of the good things in life, I just knew what my limits were. I never let credit cards ruin my financial plan. That is very easy to do. I had a average middle class wage at my work but I did work OT and that also was saved. By the time I was in my early thirties I had my first $100k. Getting to $200k was much faster. The curve really takes off once you hit a certain amount. My accounts continued to soar as I kept to my plan. I won't tell exactly how much here but it is substantial. I was fortunate to have a good bull market. That is something we don't know or can predict. I made my share of mistakes as well. I pulled out of my funds after Oct 1987. That crash rattled me but it was a learning experience and I didn't make that mistake a second time. I thought about buying AAPL at $18. Hindsight. Thats water under the bridge now. I had money in Twentieth Century Ultra fund when it rose 87% one year. I had money in the TRowe Price New Asia fund when they had some booming years early on. Gold was spectacular in the early 2000's. I guess those made up for the mistakes.
The main point is to keep pumping the money away and whenever you have an opportunity to increase that, go for it. It's called paying yourself first.
I apologize for the long post. I didn't mean to drift off here but I wanted to share my experience and maybe someone can use some of my tips to increase their assets.

Let's slow down here - you may have some good points, but the facts are rather mixed up.

When Social Security began, it meant that a person would not be a pauper but food, clothing and shelter. Now, it means food, clothing, shelter, travel costs, cable TV, dining out, internet, Obamacare etc.

When SS began, there was nothing else in place for health care - so to the extent that SS was intended to help people survive, that included medical care. It was only decades later that medical care was taken out of the equation.

As to Social Security helping - look at how much you lose if you take it at 62 vs 65. AND, what a person gets if they do not make a lot of $ when working.
Then there is inflation - although the official CPI is low the retirement CPI is higher - food, energy and health care.

The two statements implied - that one gets more money by waiting, and that SS doesn't keep up with inflation - are contradictory.

When Social Security began, it meant that a person would not be a pauper but food, clothing and shelter. Now, it means food, clothing, shelter, travel costs, cable TV, dining out, internet, Obamacare etc.

As to Social Security helping - look at how much you lose if you take it at 62 vs 65. AND, what a person gets if they do not make a lot of $ when working.
Then there is inflation - although the official CPI is low the retirement CPI is higher - food, energy and health care.