If the bar is set too high many will give up.
I think the trick to saving is tricking yourself into thinking you don’t have the money for spending.
Set up your bank account so that a small amount is taken every month or every week and directly deposited into a tax deferred account(rrsp) in Canada . $50 per month is what I’ve done. I didn’t miss the $50 but now after 20 years I’ve got over $20,000 in that account and I didn’t even pay attention to rates of returns. I could have done better if I would have watched the investment closer.
Another financial hack is that when you reach a milestone like paying off a car loan or get a raise at work. Keep making the car payment into a different account or the amount your paycheck is larger. At least for a while. Then forget you have that money.
It takes self control and discipline but I’d rather live a slightly lower standard of living while I’m able to work than be destitute and unable to work.