A large income can be a sign of less, rather than more, Financial Security. One way to think of how big your Buffer is, is to divide the Capital you have working for you by how much you spent last year. This gives a very rough idea of your breathing room. Too many people connect what they earn, to what they spend, too closely. Adjusting to salary increases by spending more. Someone earning a lot may have lots of fixed expense they have to meet. They may have committed to a large mortgage, maybe even a 30-year mortgage in some countries. Financial Security can be achieved more easily with those who gain comfort with very little. By gaining control over your ins and outs.