I am too cheap to do this, but other people are too lazy to save money. Plenty of people can afford this food and some luxuries, but then contribute 0 to their

I am too cheap to do this, but other people are too lazy to save money. Plenty of people can afford this food and some luxuries, but then contribute 0 to their retirements. Heck, as much as I like one of my best buds, he is a 6 fig earner and saves nothing. He buys niche cars, goes on soo many trips, orders so much delivery food, then complains how expensive his student loans are. Back in 2018 before he bought that car, I showed him he could pay off his student loans entirely before the end of the year.