I have a feeling that you did not understand me at all!
I'm talking about the fact that just not everyone can save 1/3, because I assume that a significant part of the world's population does not have income that will allow them to save 1/3 painlessly for life. That's exactly what I meant.
About my approaches to the formation of a financial cushion:
Until 2019 - of the total income, I saved about 25-40% in the form of diversified investments (fiat, crypto, ...)
In 2019-2020, I was saving about 10% -20% per year, because. a significant part of the income went to repair and preparation (appliances / furniture / ...) in a new apartment.
Now there is a war in my country, and for 2 years I have not traveled to other countries, which I used to do several times a year, and now I have temporarily lost another expense item, which allows me to put more money into the "financial pillow".
PS About sports in general, it turns out funny - almost 25 years of sports, now I regularly maintain the form