Most consumers think they have to choose between saving money and living the life they want to live. Savvier middle-class households know they can have their cake and eat it too — if they’re smart about it. Try these eight habits that help you quietly build wealth without sacrifice. Save Half of All Raises and Windfalls Lifestyle inflation is a silent killer of wealth. Too many people immediately find ways to spend more, the moment they start earning more. “Every time you get a raise, put half towards ...