We all need money to provide for our families' basic needs. Know your income and spend less than you earn. Just because you have the money doesn't mean you should buy things that aren't absolutely necessary. Try to avoid debt and save for the future. It is critical that you plan how you will spend and save your money. Understand the difference between needs and wants. Make savings a priority. Bugdet is a sensible technique to monitor or cut your spending and plan for your future needs. It reminds us that "the plans implemented by the diligent one surely make for advantage."
What you mentioned is correct, and almost most people today have such reasons because what they do is for the family. Which is really understandable;
all that is needed is for us to raise more so that we can put aside some savings for the future.
Who doesn't want to be able to save savings for the future? Everyone wants that. The problem is that determination and implementation differ because others
don't want to take action.