I absolutely agree with your point.

I would also add that a common fallacy in personal finance is to treat your savings as "what's left after I cover my expenses and discretionary spending".

Savings = Salary - Fixed Expenses - Discretionary Spending

If you think like this, your savings will fluctuate a lot. More importantly, your savings are not your priority. You treat them as the remainder of your calculation.

To focus on saving, you need to reverse the equation:

Discretionary Spending = Salary - Fixed Expenses - Savings

This way, your saving rate can become a target.

Stop saving what you don't spend. Spend what you don't save.