I think shiz is saying is its hard to save what you don't first make.
Everyone who is working full-time can live within their means and save something. $5, $10, $20 per paycheck, whatever. Most 20somethings spend all they make, plus 10%, in student loans, credit cards, etc.
Ultimately, those bills come due and you're either wrecked, financially, in Chapter 7/13, or whatever dire situation you find yourself.
Just as you can't save what you don't make, you shouldn't spend what you don't make either. Even if a person has an "income" problem, I'll wager bullets to navy beans they have a "spending" problem, and if they fixed that problem, the "income" problem would be much better (if not alleviated). On the other hand, fixing the "income" problem without fixing the "spending" problem will do little (or no) good.
This post was edited on 2/13 at 2:13 pm