This is complete bunk of course, and I'm sure you're being kind of sarcastic anyway. While I'm by no means rich, I'm comfortable enough to buy anything I want within reason. Getting into the upgrade-cos-it's-new cycle is a complete waste of money though.
This isn't to say there's anything wrong with upgrading, if some of the new features really float your boat, ace, upgrade away. Myself, my 3G does everything I currently want from a phone, while the 3GS is "merely" an incremental upgrade in my eyes. The processor/memory bump is nice, especially if gaming on it is your thing, and I wouldn't be at all surprised to see stacks of 256mb only apps, or apps that run sluggishly on the old 3G.....but I use my iPhone purely for Safari, mail, videos/podcasts and the odd bout of Peggle, for which the 3G performs admirably.