If you earn $100k per year (no matter how long you work) and have no savings and spend $100k per year, then your wealth is "0 day" and will remain the same, by

If you earn $100k per year (no matter how long you work) and have no savings and spend $100k per year, then your wealth is "0 day" and will remain the same, by this definition. If you earn $100k per year, spend $80k per year (saving $20k per year), then you'll earn "3 months of wealth" each year. If you earn $60k per year, spend $20k per year (saving $40k per year), then you'll earn "2 years of wealth" each year.