I voted 50%, which is correct +/- 10%.
I should note that I could save money by moving back in with my parents and not paying rent, municipal taxes, food, etc., but it's socially expected that I won't do this.
Probably most of us could spend less or earn more, if we did some changes in our lives.
Thus spake Eliezer:
It seems that many here might have outlandish ideas for ways of improving our lives. For instance, a recent post advocated installing really bright lights as a way to boost alertness and productivity. We should not adopt such hacks into our dogma until we're pretty sure they work; however, one way of knowing whether a crazy idea works is to try implementing it, and you may have more ideas than you're planning to implement.
So: please post all such lifehack ideas! Even if you haven't tried them, even if they seem unlikely to work. Post them separately, unless some other way would be more appropriate. If you've tried some idea and it hasn't worked, it would be useful to post that too.