Why does this come across as argumentative?
Not that it is any of your business, but I currently do save a part of my pay every month, I put away every monetary gift I get from my family (for Christmas and Birthdays) and every penny of work commission or incentive I get. I have always saved. I have no debt whatsoever. I am very good with money.
I am permitted to have an opinion on something that doesn’t affect me personally.