It is important to work smarter and not just harder,strategizing important business ideas, drawing business plans for long term business activities,and most importantly handling day to day expenses more diligently as they come,their are certain basic needs that cannot be eradicated but being principles at handling them as they come is still very important,for instance feeding is an expenses one cannot escape from but do we spend all our income satisfying our cravings and then money ment to spend on two to three meals for a whole day is consumed just to satisfy a one time meal craving?
As such we should be able to separate the relevant from the irrelevant at every point .

Yes your point is clear, there's some who spend their money wisely,who are very calculative in spending money,who really remembered what it takes him or her to get the money and there's no amount of alcoholic drinks he or she can take, that will makes him or her to lose focus or to start spending extra vagant, they're very sensitive when it comes to spend money.. they're people like that and they're people who are easily forget.
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If we consider how difficult it is to make money then we should also be extremely careful on how we spend it, although it is difficult as it takes one who is extra discipline to achieve this,aside from our basic needs,unforseen and unplanned needs can arise at any point without prior notice,hence while I suggest an individual should have different channels through which income is generated,minimise or totally eliminate extravagant lifestyles ,be able to choose from what they need and what they want and being able to tackle the needs first before the wants and also cultivate the lifestyle of saving no matter how little they can.

I believe the topic "Money is hard to get and easy to spend" is indeed a topic that needs to be critical examined due to the constant hike in price,economic crisis being experienced almost all over the world now,we find out that we end up working and most times the proceeds of our hard work do not meet up to satisfy even our basic needs,you observe that a 9  to 5 worker wakes up early everyday goes to work,while at the end he is unable to carry most basic amenities for his or her family or even looking at a business owner who puts in all the skills,Ideas time and still gets low productivity at the end of the day.
Money making requires great effort while spending it can happen quickly even without much thought.
Economic challenges such as inflation,rising cost makes it even hard to accumulate wealth, it's is advisable to provide extra mediums for wealth creation,and also apply an economic principle of scale of preference thereby seperating our needs from wants when required.

To the best of my knowledge it's of a great importance for one to have kids.

In as much as you are a man on this earth.

Having kids is one of the most important things that brought us to this earth which everyone else owes himself that obligation.
An with the help of God almighty which blesses marriage I don't think anyone can pass through much difficulties in raising their kids.

That's why you see on an average man who's handwork in a bricklayer will raise a child today to be a doctor, lawyer's and teacher's and so on.it all depends on the parents in child bringing up.

It doesn't matter what you do for a living to beer kid's.

There's a vision of the Bible that says go yeah to the world and multiply.
So this chapter knows that everyone most certainly beer kids.

So using your income as an option to beer kids is not a good omen in this universe.

But what i will suggest is that one should know the level of child bearing when you already know how you get your source of survival.

With this every one will have to train his or her child in any condition.

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There's no part of the world today you won't find a child who's a problem to his parents.

This is not just all about up bringing of a child as per financial system of the man's income.

There are those who's parents have probably provided everything else they want yet they will still not be useful them.

In most cases it's also the financial aspect of the man who is the head that's the reason too.

But looking at it biblical facts about it.every man is obliged to bear kids irrespective of your financial status.
The fact is that you most certainly knows what is your financial strength in time's of giving birth.

Then given your the best education ever is not all that's required of you.

You most certainly play that parental rights to get your children to the limelight.

Because you might have what ever it takes for taking care of them all at the end you end up raising criminals to the society.

This is why everyone is expected to play part in their home bringing of a child it's not all about having the money or quality education ever.

In most countries like Africa so people struggle to find a better life this days and by this it's given sense of humour in terms of getting what you want as at today daily breads.

It's very difficult for one to do one thing or job to meet up life difficulties this days.

So I will encourage one to keep struggling for survival but keep to the rules of life which is patient.

And hope alive that you're struggling for a reason.

While you wait for an opportunity to grab in life changing.

With this every man on earth today is ment to be struggling to get a better life.

Because there's no success without struggle.

In most cases  some people forget to enrolled into skills while working on.forgeting that nature can take you back to where you did not wish to, this is the reason I will always advocate for one to be considered in skill while working.so as in most cases when you are out of work you can use the same skills you acquired when working to start up again.instead of being burden to the society,

It's of a good courage to get any kind of skill while you work.

Some home's today are departing due to lack of understanding of the fact that you should have a skill while you work.

Some family's are in in-depth condition because of this.
The society we all find ourselves today requires every one working to go into skills while you are working to avoid future sadness and unhappy home.

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Greatfulnes has been one of the things that have left some many people in the society today.

But some individuals today forget to be thankful for what they have and have they get it, and this has been a major issue with people who have helped to keep helping some person's life today due to the ungrateful behaviour of those who are not greatful of what they have today and how they got it.

It's of a very good improvement, important for one to be honest and straight through the ways he's experienced the world of today and be greatful to life itself.

Because being greatful this most certainly takes you to a great length of life.

It's expected that those who are are greatful to we sure keep lifting you whenever needs arises.

These are the main reason one should be greatful for where ever he finds himself in the world.

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In the society of today one don't have to wait until opportunity comes his way.

I think everyone else has to keep trying to venture into something else meaningful while waiting for the positives he desires.

Because as a man when you wait for opportunity to meet you this will surely take you backwards in so many things in the life desires and happiness and in fairness it will make you feel left out of the world and good life.

On this note everyone has to be in any field of work where you find yourself while waiting for your heart desire jobs.

With this I think a bit peace of mind will surely come to you.

While you wait for good happenings.

Doing something today is better than waiting for what you want tomorrow to come as humans.