May I ask what the two Legendary members above are replying to, exactly? I don't understand whatever it is OP is trying to get across, and if I were just a tad more motivated I'd check that post for plagiarism (Not accusing you, OP. Just my suspicious mind being suspicious).
I think he is talking about saving, how saving can be harmful to health and relatives, and how you can save for your future while not affecting family, friends and your health. Frankly, it is difficult to understand the point he is trying to make, but I think above two Legendary members replying based on this story.
No one can tell you the perfect savings formula. The health and economic situation differs from one country to another and even among members of the same family. they are psychological and economic factors that are intertwined with the economic situation.