His holiness lord Buddha had advised lay people to earn by a righteous living and spend those earnings intelligently. But people who had left lay life to achieve their enlightenment were given completely different instructions. Like that, to let go everything that are not needed in such a life style. And also his holiness Lord Buddha had admired that kind of life style.
But still we have to understand that his holiness had never admired a person, who had or have not a willingness to give up lay life to join monk-hood, having poverty in his life. What his holiness admires is simplicity and that it never should be mistaken for poverty.
And if a layman really study and follows the philosophy of Buddhism, they should be really happy and contented in their lives in every way, including financial success in it, too.