No, the most difficult part is it's so easy to want to live beyond your means. Take a look around your city. If it's anything like mine, you will find people who are working fast food jobs and you'll find other people who are both are doctors making over half a million dollars a year and yet, at the end of the month, both are having troubles finding enough money to pay all the bills. Unless you are at the very bottom of that, you are already living beyond what need. I don't blame you for wanting more, but be honest, you are spending more money than you need to.

It's not that difficult.

If you live anywhere in the developed world, and you are reasonably able bodied, you can certainly save sufficient money for your long term needs.

there is maybe 1% of the population who can't do it, for everyone else it's a choice.