When a person's savings can cover their basic living expenses for a period of time, they have a "safety buffer." This buffer significantly reduces survival stress, allowing individuals not to focus solely on immediate income but to have the capacity to make longer-term decisions, such as learning new skills, seeking better opportunities, or trying certain risky options. Therefore, once savings reach a certain level, it is not the money itself that generates income growth, but rather it changes people's decision-making methods and behaviors, thereby increasing the likelihood of obtaining higher income in the future.