We all know who the 'Father of the Nation' is, but do you know who has the title of 'Father of the Constitution'?
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Anyone can face loss of income in life. It's a painful situation to be in.
If you've no debt, the situation is more manageable.But for those with debt, loss of income would be a catastrophe.
Both spending and savings are part of personal finance. Focusing on only one lead to an imbalanced life. Either you end up as a spendthrift or a miser. I write more on savings because for spending you don't require any nudge. Spending is spontaneous. Savings need discipline.