It's always better to have more money. Younger people always ask me how I made my money and it was that I got lucky and I worked hard, and I had a good support of wife who also worked hard. Although I grew up poor I had supportive parents who valued education and had high expectations. Not everybody had the same advantages as me, including being intelligent, and white and male, but mostly it was my parents who taught me hard work pays off.. I do agree that people spend the money they make instead of saving however. It's brutally hard for people once you get caught in the trap of debt. This is what I hate about the social media and the influencer culture, people need to stop buying more than they can afford