those who are in a disbelief with this stat is living inside their own bubble.

For them it is hard to comprehend the fact that how come poor people still exist meh??

sounds correct ma, last time when starting work first few years, earn 3-4k terus use all la.
when start to earn more than that, only start put some percentage aside. since got used to spending 3-4k a month , any extra can put aside lo.