There is truth in the English idiom that says, "A penny saved is a penny earned." The trick to having enough money is not making a lot; rather, it's not spending a lot. The habit of putting aside some money from each paycheck ensures that spending doesn't surpass income. Debt is dangerous too. Paying interest on borrowed money is money lost. College loans were the only time I paid a bank for the privilege of using money I didn't have.
For some people, I'm sure the practicing restraint sounds easier than actually doing it. (After all people say something similar about losing weight. Yet, I must find it harder to keep calories burned higher than calories consumed because I weigh far too much.)
In a word, part of life's satisfaction is knowing there'd be no tragic consequences if I found it impossible to work anymore. Still, without a trickle of income I couldn't continue to dream about buying a widescreen TV to replace a tube that's more than a dozen years old!
