You don't think things happen in people's lives that make them not able to save that money after the 5 years? You have NEVER heard of that?
I don't think you can possibly say ANYONE can do that. You are assuming what YOU do is exactly what others CAN do. That is so not true.
WHAT??? Again what YOU do is not what ANYONE (in your words) can (and I am not speaking of ME but the ANYONE you are assuming can).
Healthy eating and exercising? Bawaahhaaa..............
Why does it bother you to talk about healthy eating and exercising?