The reason I have more money than I earn to buy a home, car, furniture, etc and to save some of that money is because the value of my labor to someone is worth more than the items I want to purchase and the money I want to save. I've always figured I earned a profit for my labor because I always had more money left over at the end of a month than I needed to satisfy my families needs and wants. That's my "profit". The trick is to make the value of your labor worth more than your basic needs. I know my reasoning may be somewhat confusing but some will understand what I'm talking about. Plus, I don't expect anyone to make up the difference between what I earn and what I want my standard of living to me. I've never found anyone willing to do that.