This is very true. Not all people can afford to allot even 20% of their earnings to assets especially if you are just a minimum wage earner. Even if you say you are frugal with your life, still there are basic needs that you need to pay. You would be more than happy to even spare 5% of your earnings to your savings if your wage is just an average one. Most are just living from paycheck to paycheck, so you are lucky one, if you can spare some for your savings.
A person will be very successful if he can be able to set aside 5% of his money from the salary he gets in an average month. Because it is something that is highly recommended and also very good to do for a comfortable life and also for having money when you need it suddenly.
I've even been doing this kind of thing for a long time and I feel the benefits when I'm sick, because the need for money when I'm sick is a little different than usual. That's why maintaining health is important in order to be able to manage finances normally and not be chaotic