A lot of us job only take home pay. We come we work then we leaving. Sometime we not have payment for overtime or allowance. But first we must consintance for every single penny we take. So we must make a post for emergency funding. Can we continue for retirement funding. Yes as long we consistance. But we must believe must use in proper investment like gold or land. If u not want trap a debt 😀😀😀😀 But all say to me you must be a handsome man