> If you are top 20% of income and still have problems saving money, then the issue is most likely your spending patterns. My "spending habits" are homes that

> If you are top 20% of income and still have problems saving money, then the issue is most likely your spending patterns. My "spending habits" are homes that cost $550K and upwards. The majority of income does to non-discretionary spending by a lot. I honestly thought I made that point quite clear above.