You’ve probably experienced this. You decide it’s time to go to gym and get in shape.
The problem is you work out too hard and in the next day or two are so sore that you don’t go back to the gym.
The same thing can happen with Saving. If you set aside too much of your income then you have to take money back out to pay your bills. This violates the bubble and your savings are no longer safe from being withdrawn.
So when it comes to saving you need to pick a doable amount.