Driving everywhere
According to American Automobile Association, it costs the average American about $9,000 in gas expenses to drive on an annual basis. There is no need to drive everywhere. Get in the habit of walking if you can when running local errands. Take mass transit or bike whenever possible. Make a list of situations for when driving is warranted.
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.