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good point BUT you don't want to be saving too much... I agree tho that you should save a decent amount for rainy days but what's the point of working hard, making alot of money and living same life style as if you worked at macdonalds ? also what good is it to have alot of money and not enjoy your young life (if you're in your 20's and early 30's) before settling down ? not to mention tomorrow is not guaranteed.... great money management to me is all about knowing that business can struggle any day, plan where money goes, don't spend it on useless shit, save decent percentage, do all that while still enjoying some of your paycheck
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