Why is it so hard for ordinary people to save money:

Why is it difficult for ordinary people to save 30,000 to 50,000 a year?
The three major savings thresholds circulating online: 10000, 100000, 300000
When we deposit 10,000, it means we can buy the latest phone.
When I deposit 100,000, I can take out a loan to buy a means of transportation, and with more loans, I could even say I can buy a car that looks good.
When the deposit reaches 300,000, many of us start to get restless, wondering if we can take out a loan to buy a house.
What is the purpose of us making money?
We often hear most people say they want to buy this or that, but if we always have such a mindset, we may forever be trapped in the trap that capital has designed for us.
Once a person begins to accumulate primitive wealth and becomes aware of this accumulation, society's education and training have failed you. You become an individual rather than a cog in the social machine, and so-called capital has no way to deal with you. In fact, what capitalists around the world fear the most is that ordinary people begin to accumulate primitive wealth and awaken to this realization.
Because once you accumulate some advantages, whether it's money or resources, their rules actually become increasingly difficult to control you.
Have you noticed that every time you save a certain amount of money, there is something you should buy waiting for you? The higher you go, the larger the amount you need to borrow will become. This is a trap set by capital in a consumer game, making sure you never have money in your hands.
In life, in order to repay this and that loan, we must work hard according to social rules to pay off this loan. But you should know that new mobile phones come out every year, and cars are also updated, including the fact that houses are no longer appreciating in value; there are now third-generation and fourth-generation residences. Everything has turned into a consumer good, and the key issue is that our income simply cannot support these products.
For example, if you buy a car for 300,000, once you take it home, it starts to depreciate continuously: after one year, its residual value is 200,000; after two years, it’s only 150,000. By the time you finish paying off the loan, you've already lost half, not to mention the cost of using it.
Many people buy cars for the sake of their image, but if we say that we can hardly drive it a few times a year, it really is not worth it compared to taking a taxi. Just the parking space and insurance can consume several months' salary. The money you work hard to earn will quickly disappear; to put it bluntly, buying a car could mean years of effort might go to waste.
When we talk about the true meaning of wealth, it actually lies not in what we can buy, but in what we can choose not to do. When you control your desires and protect your savings, money becomes your foundation for freedom. Even if it is just a small deposit, it can still bring us a sense of independent security.
When you accumulate 500,000, 1 million, or even more money, you will be able to make your money work for you and achieve a preliminary level of financial freedom. At that time, you won't have to cling to a job you don't like, rely on someone else, or be constrained by a certain city. You can truly live the life you enjoy at your own pace.
But many of us work hard to earn money, yet we are repeatedly harvested by the temptation of consumption, always left with no extra money, trapped in this passive situation.
Therefore, we must learn this delayed gratification, maintain the threshold of our wealth, and use our money to enhance our freedom, rather than for momentary vanity; only in this way can we break free from the constraints of society and live a truly relaxed and carefree life.
How to break the deadlock in the end:
After young people jump out of the trap of "spending money for face," where should their spare money be placed?
Investing in gold and BTC through dollar-cost averaging is a pragmatic choice.
Gold is a traditional safe-haven asset that can resist inflation. Unlike mobile phones and cars, it does not depreciate and can hedge against the risk of consumer goods depreciation, providing a "safety cushion" for capital accumulation. BTC, although volatile, is a digital asset that has long-term growth potential. Its decentralized characteristics can help you be less controlled by capital rules and hold your wealth firmly.
More importantly, "spare money + regular investment": young people have limited income, and without planning, small amounts of money can easily be wasted. Regular investment can help accumulate small amounts into a larger sum, while also spreading out costs and reducing risks – this is the practical application of "delayed gratification": not using spare money for short-term vanity, but allowing assets to grow slowly.
Gold serves as a stable foundation, while BTC helps to accelerate; the combination of the two allows you to accumulate initial capital without the pressure of debt, freeing you from the cycle of "earning money only to be consumed." This choice fundamentally transforms idle money from "wasting" to "appreciating," paving the way for future financial freedom.
Let's encourage each other!!