one thing is living expenses another income.
I will give priority to children or savings. I will survive and invest or enjoy.
what will happen tomorrow, will I invest and what if I die tomorrow? what will it do me? etc etc a lot of questions that a person can ask themselves, and which will discourage them from investing
I think that irrespective of life uncertainties. Cultivating the habit of saving does not just help us alone but it is selfless in the sense that it can help people who are dependent on us and who we are responsible for.