Which is why those who successfully invest pull the money out before the spending.
It is much easier for someone making $100,000 a year to set aside money than it is for someone making $40,000. Some people do not advance much farther than that and others suffer setbacks that diminish their income. Just telling people they ought to save isn’t going to help if their car breaks down and they don’t have the $1,000 it will take to fix it.
It is unfair to assume that everyone who doesn’t have a 401K is out spending his money on tattoes and beer.