Agree with what you say because 50% feels big enough for daily needs but on the other hand everyone needs to express themselves. saving is indeed very good but on the other hand we also don't have to torture ourselves for it but of course if indeed the allocation we previously determined is still there, then indeed we also save it for investment in old age as well as for 30% personal desires when we don't If you want anything this month, then we can also move it for investment because this is only an allocation regardless of whether it is fully used or not, the most important thing is that it doesn't interfere with old-age savings.
I would say that even if we are talking about torture, like as in living in a very tiny apartment, even a room, paying very little, and eating noodles, all for just 5 years of our life, could unlock a great life after that but that's a risk we are taking with our life, something we can't get back and that's why people do not do it.
I mean if you lose money, you could always earn more of it later on, if you lose your car, you can get a new one, if you miss out on a movie, you could always watch it online later on, but if you miss out on your life then you are going to end up with not getting that back and this is why people do not save enough, they want to live.