I didn't directly say you should save all of your money, I said you shouldn't spend all of your excess money. You should be saving for an emergency fund, retirement, kids college, things you want to buy in cash rather than putting everything on credit. American are horrible at this, they live right at the edge of, or above their means rather than below it as they should.

OK. But "we spend all of our excess money rather than saving it like we should." was hard to parse the way you intended it.

OK, my bad.