I think a lot of people still look at money the wrong way. It's not something to accumulate and cling onto for dear life. I think that's what differentiates average people from those who are super successfully financially
It's a tool, use it your advantage.
Think about it, if you have 20k sitting in your bank it's doing next to nothing. Interest rates are so low it would take a lifetime to grow it. So you have 20k in the bank so what? What use is it? You aren't going to spend it you are too scared to let it go. All you will do is keep it forever at which point you will either blow it on retirement or pay for your healthcare when you have a stroke.
Invest that 20k and you could double it in a few years.
I spent 6k this year on advertising, I increased by yearly revenue by at least 10k AND I reduced by tax bill hugely. Why give tax to the government, how daft, stck that money back in and back in and back in for a few years then pull the plug and never have to work again.