Ya wanna get even "Better"
Most this "Excess" $$$ moves into "Real Estate"
Thats why a tiny house now Co$ts a quarter million bucks snd Rent a "Studio" Efficiency Apartment like $12/$15 Hundred a month rent.
Back in the day that Rent was like $2/$3 hundred bucks a month sure "Wages" at jobs were "Less" back then but ya could still pay ya rent & $ave up a for a "Downpayment"
Today a Base Model Car co$t ya $30/$40 Large all Full of Computer Crap
Back in the day My Dad and Uncle go the Dealership ya could buy "Brand New" a Warranty too but It was a Stick-Shift with Crank Windows like 12/15 Grand