You don’t make enough
Life is expensive. We all need money to function and survive. Making and keeping money takes sacrifice. Find a side hustle and work more. Sell your skills via the online gig economy, rent out a room, drive for Uber. There is always a way to make more money.
Mostly correct, but some people have no ability with no fault of their own. I was well prepared for retirement, but I also cared for people in trouble and brought a couple into the United States from the woman fired because she was not Catholic. Then because I refused to work at that one place (out of 20 countries where I did work) I was also fired. I saved enough to buy a property, but lived on social security. Then when a college student who lived in my house was forced out because she was interested in my life and reading the Bible, she was forced to sign a paper against me and put me in jail when I broke no law or did anything wrong, so I had to increase my mortgage to where I can save nothing.
In other words, based on my work in most states and 20 countries, I am very careful to avoid judgement by appearance or conditions.