Increasing Income or Cutting Down Expenses?

If you're not a good saver, or if you can't save money, you're never going to reach financial independence. But there is a cut-off point to where that is true, and then you should probably focus on increasing your income. I'd still say savings is the most important, but then diminishing returns after a while, and you should probably start focusing on how you can earn more money. It's very common to hear people job hopping,. maybe upskilling, getting a certification, whatever it is after a year, and then maybe looking for another job and getting paid an extra 20,000 - 30,000 dollars per year. If you think about how long it