Being an employee isn’t the easiest way to earn money but it is the most common and it works. Aside from taxes, which no one can escape from except in death, employees also need to pay for health and social security disability. Superannuation also needs to be paid regularly. If there are any, employee loans can also be deducted from their take home pay.

These things are all part of being an employee. If you just have an average paying job, then it’s just hard to get out of the common scenario of building debt and not having anything for your savings.