Quote Originally Posted by Jack Sawyer View Post
when living paycheck to paycheck, one cannot 'afford' to save even in theory
Sure you can (unless you're referring to how somebody living paycheck to paycheck definitionally isn't saving).

I've known a lot of working-low-middle-class people. They all have one thing in common: they throw their money down the toilet and complain about how they live paycheck to paycheck. A commonality among more well off people is tendency to save regardless of income level. In fact, one of the best ways (and probably the single most underrated way) to move up in wealth is to consistently spend less than you make.