It seems to me the biggest problem for most of us is the second part of your post--Desire Less. I know people who earn ten times what I do and they live month to month. I also know people who earn a lot less than me who always have what they need. They have figured out the trick to success with your financial health "live within your means". Great article @financialjerk. Thanks.
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Thanks @bigpanda. People who earn a lot yet they live month to month are so-called 'one-day millionaires' . They are trapped by their income.
https://steemit.com/finance/@financialjerk/are-you-trapped-by-your-income
On the other hand, people who earn less yet they always have what they need are on their way to financial freedom. They just need to check on their spending habits from time to time when their income increases as they might fall into trap by their increasing income.