Saving money tends to be more difficult for some people than others. I believe it depends on how you were raised. When I was very young, my parents took me to the bank to start a passbook savings account. They taught me the importance of saving your money and working hard. They taught me that working hard and money go hand in hand. The harder you work, the more money you can make. I also learned that you need to think about your future. The future is unknown and you never know what you could run into. That is why you need to have available funds just in case something terrible happens. I believe some people do not take their future into account when it comes to their money. They live in the moment and buy things they don't really need without thinking too much about it.