The life here in PH is quite tough nowadays. Lower wages but the cost of living is high whether you're in the country side or in the center. But someone who's trying to save and invest, these are the most disciplined people. Despite the life's hardship that we're facing here, for as long as we can, we will endure it and will sacrifice things just to have a better life. But for someone to upgrade their living, this is why many become broke. You don't have to upgrade or change your lifestyle even if you're earning a lot at the moment. Focus on savings and investing and you'll be able to live that better life soon but if you're just starting out, you better apply the delayed gratification to yourself.