He continued using this strategy even after landing his gig as the host of NBC’s “The Tonight Show” in 1992, which reportedly paid as much as $30 million a year at the height of his career.

“When I got ‘The Tonight Show,’ I always made sure I did 150 [comedy show] gigs a year so I never had to touch the principal,” Leno says. To this day, he’s never touched a dime of his “Tonight Show” money.

Anyone can employ this strategy — it all starts with creating at least two streams of income, which is a hallmark of the richest, most successful individuals.

“Self-made millionaires do not rely on one singular source of income,” writes Thomas C. Corley in “Change Your Habits, Change Your Life,” a culmination of his research on hundreds of self-made millionaires. “They develop multiple streams. Three seemed to be the magic number in my study … Sixty-five percent had at least three streams of income that they created prior to making their first million dollars.”

Additional streams could be real-estate rentals or side businesses, Corley writes. Or, like Leno, you could get a part-time job.

Start by thinking about how you can generate more money. Next, employ Leno’s strategy: Save the larger form of income and spend the other.