Also to the other side ... Most people are doomed to live from paycheck to paycheck. There is no room for improvement or optimization. Once you have your year

Also to the other side ... Most people are doomed to live from paycheck to paycheck. There is no room for improvement or optimization. Once you have your yearly needs on a bank account and more to come plus enough time you can invest in random ideas when they come, buy things in bulk and safe a lot of money or go for the expensive thing to safe money in long term. Basically there is a 'point poor' where you are doomed to stay poor, where you have to little to change anything about it.