That's why it is important to still have disposable income after your expenses are taken care of. But the more important item, is general life stress. A lot o

That's why it is important to still have disposable income after your expenses are taken care of. But the more important item, is general life stress. A lot of stress situations can be made to go away if you throw money at it (things like a constantly-breaking car, or living in a high crime area, or general boredom). That is the main reason that people have a hard time saving at almost any income level (until you hit over 70 - 85K).