This article explores the idea that saving money is not necessarily linked to income. A study by the Employee Benefit Research Institute and J.P. Morgan found that people with identical incomes saved at different rates, and that savings rates increased during the COVID shutdowns. The article suggests that people may have fallen into a "consumptive lifestyle" where they spend more as they earn more, and provides tips on how to break this cycle. It also suggests ways to save money, such as focusing on housing, food, and transportation costs, and suggests saving $5 a day rather than $150 a month. The article also addresses listener questions about closing unused credit cards, surrendering annuities, tithing, purchasing stocks from employers, and using lump sums of money.