It's clear that saving money has become harder for many especially with rising living costs and stagnant wages. People are working more but struggling to set aside any savings. There's a need for changes whether it's better job opportunities, affordable housing or other policies that can make things easier for everyone. It's a complex issue but acknowledging the problem is a step toward finding solutions right?
Income and expenses are a problem in this case so it is difficult to get a balance in terms of finance, sometimes let alone saving or setting aside money, for daily living expenses alone there are still quite a lot of people who complain because it is still far from enough. One of the problems is as you said that the cost of living is increasing but income is stagnant, I think for the first solution problem maybe we have to work harder or work smart like building a small business such as opening a shop and in addition we also while continuing the main job, with that then there will be additional costs for living or for saving in preparation for the future, and I think the government should pay full attention to this problem because it is clear that many people are suffering from this situation and one of the things the government can do is increase the wages of workers or the intention is to adjust to the basic needs which in fact are increasing.