I'm speaking generally as in most people including me when I was an employee. Sure if you work at the government or have a job with a vague title description or own your business it's out of reach. For example working construction guys make around 38$/hr +13% vacation and many people would tell me I made a hell of a lot of money but it wasn't true at all. Once everyone took a cut from your pay check around 55-60% was taken out and working only 5-6 months a year you came out of it without savings.