The bottom line is live within your means. And your means should include something put into savings. I don't care if your income is so low you only have a couple dollars left after food for the family. Put something up and don't let it be for guns and ammo. That's a separate account. I have quite a bit of money put away. I did it when it wasn't always convenient. I did it so I could stop work at 60 and not worry about paying the bills.