how can we possibly reduce the need for a need that exists, the name of a need is increasing day by day and not to mention the addition of commodity prices that continue to increase. In responding to this, we still have to increase our income and not depend on just one job. It would be better if you create an independent business opportunity through the knowledge and creativity you have. And don't forget for now to put aside first a desire to live luxuriously which only says prestige alone. So I agree that what we should do is to "increase income without having to reduce an obligation."
Decreasing your spending is not all that possible, do not let people who think that is possible to fool you, inflation will make sure that you can't live all that easily. I have seen plenty of people who try to argue that if they had 1 million dollars today, they could live off that for 50 years if they can live that long.
If you do not use it and turn that into an asset that gains value, just putting it in the bank may not be enough depending on where you live. Most people end up with something that would hurt you for a long time. I get that it may not be simple but you should be trying to do something that can help you one way or another. I believe that we are not going to end up with something that should not be doing anything special, I believe you could end up with a greater return whenever you can.