Is your perspective that a windfall is less likely to lead to discretionary spending resulting in a paycheck-to-paycheck lifestyle than a salary increase? I ma

Is your perspective that a windfall is less likely to lead to discretionary spending resulting in a paycheck-to-paycheck lifestyle than a salary increase? I may be wrong, but my previous intuition was that if people have a recurring increased income stream they'd be more likely to save and invest than if it was a one-off.