There are a lot of people who spend everything they make, and then some.  They aren't smart enough to plan or realize that unexpected events can throw a monkey wrench into the works.  But they do have enough money to always have the newest smartphone, they breed, they go to Starbucks every day, buy new cars, and waste money in a thousand different ways.

The concept of saving never occurs to them.

Then, something comes up and they are blindsided.  Sorry, but my sympathy is for the from-the-bootraps landlord who has bills to pay, also.

Remember:  It's not what you make.  It's what you keep.