I recently thought that saving is very good for accumulating money, because everyone lives their own way and two people with the same salaries can manage money. So one will get rich, and the other, on the contrary, will take on even more debt.
And it all depends on the desire to buy necessary and unnecessary things and the ability to save, as well as to look for promotions in stores to buy something cheaper.
That is the behavior that needs to be applied. In suppressing excessive spending, that is a good example so that you can save, but it all depends on the income we get, of course that is the main key, then a person's mindset can determine, by saving the needs we need, of course we can save. But not everyone thinks in that direction because some buy what they want without thinking about their future.
Income is certainly very important, because it is the first thing that starts calculating free funds after all expenses and savings. And no matter how much someone saves, he is doomed to poverty if he earns little. I know about such a situation and it can change the thinking of any person. Such a guy will start seeing opportunities for earning money everywhere, even where there are none, because monotony and routine will have a strong effect on him. I am not saying that a casino is a bad way to earn money - in the Russian local branch one bettor recently published his excellent results, but you need to have a talent for predicting sports matches.