You aren't wrong, but lets take someone like me for example. I don't have a car, I rent a studio apartment below the average price in my area, I eat less food than I should and try to reduce my power and water costs when possible. I have a job that pays well for my area and I can barely afford rent, until recently I often required help from family to afford it. I agree there are probably ways I could save some money. But look at the wealth in the US, there are incredible profits for property companies and hedge funds, this money doesn't just come out of the air. There is a siphoning of wealth from the working class. To say that these struggling workers need to save or invest might be true for some but there are much bigger factors in the increasing inequality of wealth.