And govt taking more with higher caps
This ish poor man struggle lah.
If peasant kia salary with current high cost of living most ish only earning enough to pay off their expenses and debt nia, really not much left for saving. Some may even have to borrow instead, so their current month pay ish actually constantly use to pay off the debt they borrowed in previous months, then debts will stack up and up.
But for high income earners it ish never an issue for most to put aside some $$$ for saving, at most ish about how much to save and how much more to invest be it stock or properties or insurances etc. In fact, many high income earners that moi know not just can afford to save for self, they even have more than enough $$$ to save for their spouse, parents, kids etc.
That why lich people always like to lecture the poor about saving for raining dazes one, as to them ish really not a problem to save at all and won't even affect their quality of life a bit by saving. So if you can't save mean you ownself got problem.