No, the most difficult part is it's so easy to want to live beyond your means. Take a look around your city. If it's anything like mine, you will find people who are working fast food jobs and you'll find other people who are both are doctors making over half a million dollars a year and yet, at the end of the month, both are having troubles finding enough money to pay all the bills. Unless you are at the very bottom of that, you are already living beyond what need. I don't blame you for wanting more, but be honest, you are spending more money than you need to.

It's not that difficult.

If you live anywhere in the developed world, and you are reasonably able bodied, you can certainly save sufficient money for your long term needs.

there is maybe 1% of the population who can't do it, for everyone else it's a choice.

25% is a huge amount. Yes, it adds up. Over time, you don't get me wrong. But you need to ask, should you do that much?

Everyone will die, despite great medical advances over the past century. Someone who lives past 5 and doesn't die in childbirth, or an accident - only got a couple years of life expectancy. You should be thinking of saving money as this is something we're going to spend in the future. The goal is not to get the most money on paper. The goal is to... Well, you figure out your own goals. I don't know the right answer for you, but to try and enjoy life with the money you make.

Most people don't have that discipline. If you asked the average person to "just" save 25% of their earnings, they'd look at you like you had two heads.