Because at 20 percent -- and that's a huge shift, from four to six to 20 percent -- but at 20 percent, you actually have the ability to save and to put money away and to take care of discretionary expenses.
lo cual es una gran diferencia, es decir, de 4 o 6 % a 20 %, porque ese 20 % permite tener buena capacidad de ahorro y destinar dinero  a gastos discrecionales.