Some additional thoughts.
Below are two quotes from the recent KM article:
Because of unfavorable economic conditions in various places, heads of households may have to work long and hard to make a living. When demanding secular jobs take most of their time and strength, they have little left for the preaching work. Since they have an obligation to provide materially for their families, some may feel that they can have only a limited share in the ministry. (1 Tim. 5:8)Because the world scene is always changing, a family head may be inclined to spend an excessive amount of time on the job, with a view to building up his financial reserves for unforeseen crises. (1 Cor. 7:31)
Let's take the first. What is stated is really the crux of the matter, isn't it? Let's review relevant sections I cited from previous Watchtower material:
w92 11/1 17 Education With a Purpose
If married, a man should be able to provide properly for his wife and any children that may be born, with a little extra to give to those in need and to support the local and worldwide preaching work.-Ephesians 4:28; 1 Timothy 5:8.
and
In addition to an inheritance of knowledge of Jehovah and a relationship with him, parents would be interested in providing materially for their children. In many lands responsible family heads will try to have some savings, a legal will, and insurance. After all, God’s people are not immune to “time and unforeseen occurrence.” (Ecclesiastes 9:11) Money is “for a protection,” and careful planning can often avert hardship. (Ecclesiastes 7:12)
So, the Watchtower indicates that a man should provide "properly" for his wife and children. I don't believe "properly" means "just barely above the poverty level." Otherwise, how would he have "a little extra to give to those in need and to support the local and worldwide preaching work?" And, let's be clear that 1 Timothy 5:8 is a scriptural requirement, just as much as, say, Hebrews 10:24, 25. So, at the very least, the two scriptural thoughts must be balanced.
The reality is that, in capitalist lands, earning such a livelihood is, at its core, a competition. You, the wage earner, are in competition with other wage earners who are also trying to provide for their families. Per the laws of supply and demand, this dictates, for example, what houses and/or rents cost in a given area, and what wage levels are paid for various forms of employment.
In many cases, our brothers in who are now approximately in their 40's and 50's have an additional challenge. Because the prevailing JW attitude in the 70's and 80's was generally anti-college, these brothers are often forced to compete with substandard educational levels. In my view, this means one of two things:
1. They often must work more hours at lower wages to keep up, or
2. If ambitious, they seek out further education to bolster their skills
It is further possible that they may actually have to do both simultaneously. Whatever the case, such efforts take time and effort, whether physical or mental.
Now let's take the second issue, that of "building up his financial reserves for unforeseen crises."
Here's where that second Watchtower quote above was balanced, and realistic. It mentioned "savings, a legal will, and insurance." It mentioned the very real fact that Jehovah's Witnesses are not immune to "time and unforeseen occurrence." Finally, the fact that "money is for a protection."
Therefore, I am confused by the apparently negative comment in the KM regarding a family man who works at "building up his financial reserves for unforeseen crises." How do I reconcile that with the Watchtower comments just cited?
Let me add one final comment that may be relevant. The Society, when considering a new construction project, certainly plans ahead. Before approving construction on a new assembly hall, the Society requires that a large percentage of the funds needed already be in the bank, as well as clear documentation in the form of pledges for the remaining amount. (Luke 14:28)
I just don't see where a family man should be made to feel guilty for doing the same, even if it requires extensive effort on his part.