If you want financial stability, spend less than 50% of your income,
But if you want financial success, then spend less than 5% of your income and invest the rest of it wisely.
is it really possible to follow your strategies? but your advice isn't bad, but in the real ground it's impossible to 90% peoples because they can not earn sufficient money so how they can spend only 5% from their salary? where many peoples can not invest 5% from their income.