Earning money is f*cking hard especially in today era, ecomony are unstable really unstable AI is taking the job of everyone white collar the robot taking the blue collar and big country like US is making hard decision agains the other. Inflation still high because of the war and pandemic.
Saving is never enough bro when the inflation is skyrocketing it simply the grocery and other thing keep rising in price. You save money now and you can watch your money become a useless paper over time it lose its value.
The only thing is investing but it come with risk, God Damn live in this wold is hard.