People of course could not live for today only because there is still long way that they have to follow in front of them. Of course they have to work hard today, but they could not use the result of today working hard for today only.
They have to share some of it as their assurance that in the future they could live properly and comfortably because they could not guarantee that they could get the same achievement tomorrow. And they also could not predict what they will need in the future.
It is not good at all if people always depend on loan when they have to cover kind of unpredictable need which appears in their financial plan.
It will be better if loan becomes their last opinion because there is no doubt that there is kind of risk that they have to pay which is interest which could be threatening after all.
It will be so much better if people should make kind of saving post in their financial plan which could be useful for unpredictable need or the way to reach dream in the future.
People do not have to share a lot from their salary, but they only need to do it regularly and continuously.