I got your point @cloudspyder! I have thought of that, too! Actually, in my first job, I was just paid minimum. So I had to do many over time at work to have extras to cater other things in my goals. That's why, I searched for greener pasture to be able to actualize my goals. :)
I have nothing against with minimum, and neither I am pushing this budget plan to everybody. My financial goals helped me to identify my plan ^_^. Thankfully, I am still single that is why I do not have that much of expenses. Also, even if I am where I am now, I still do many sidelines like tutor and selling some goodies, all of it -- for my financial goals.
Thank you so much for sharing your sentiments! I really appreciate it. ;)