People always have the ability to save, the real test is keeping your expenses low, having likeminded people both work towards an objective. I make 63K now but I saved more when I was making 10K less than what I am making now because I have a car payments and insurance and some loans. But I still save money because live at home with my parents we all bring in an income and now we can purchase a new home. Sell the house with the built up equity and my parents can give me some money and I can then buy my own home. That’s group economics but when you don’t have a strong family unit, you can’t benefit from this. And that where gmb lose.