Saving is important and may have to be adjusted, but the scale of saving must be a balanced percentage with a much more productive way of making money. Money can bring unequal enjoyment and money can also make someone take the wrong steps, this is where self-monitoring is needed to control because without planning we cannot prepare for a better life. How many people are unable to achieve happiness in life even though they have a lot of money and on the other hand, people who live simply enjoy their lives much more and are much happier.

Money is indeed important in life, but we have different abilities in running our lives. Being stingy or thrifty is just an issue that doesn't need to be magnified because we know the scale of needs that must be prepared for. The reality is that we don't try to live within our means and most people just try to live an excessive lifestyle.