It's good to have an emergency fund, but without some nice income it's hard to put money on the side that can cover "saving & investing". Overspending is not something that we can control, especially if we need to take care of a family and maintain the household. Many things can happen all of a sudden that will take our money from the wallet. And this inflation is not helping, my salary hasn't gone up as much as the prices have gone up.

So, you have good points here, but without income, it's hard to do anything. And to get to nice income it's not so easy... some people get there, but some never do.