Your parnassa is decided by Hashem. You can burn all your money and then have nothing left for your needs. But that would be a bad idea.
You can’t control how much you earn but you can choose if you will waste the money you have.
If you have kids and plan on paying for their bar mitzvahs, tuition, weddings. If you plan on living till 90 and not working till that age you’ll have to save too.