I agree that it is subjective and it will vary from person to person. If you earn more than you spend, then there isn't a reason for you not to save or invest that money. As that money will add up over time due to compound interest. If you can't make ends meet, then I don't think there is much they can do outside of getting a better-paying job.
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Very few people knows about compound interest and this is because, some aren't even aware of what it means, except that they're living well and getting by in life. It's a sad story but then, it's what happening with some people.