Income must be greater than expenses, of course this is an important factor, that's why we need to find as much income as possible so that we can allocate it well..
That sounds good and reasonable in theory, but in reality, people’s expenses almost always either match their income or significantly exceed it. Otherwise, the entire credit system—with all its branches like mortgages, installment plans, and so on—simply wouldn’t exist. In fact, the economy functions best when the state provides an adequate credit system with low interest rates. As a result, people get used to this and don’t understand why they should deprive themselves of what they want. That’s why they can’t reach the kind of financial situation you’re describing.