I am agree with you. This is the definition by Robert Kiosaki, author of the best saler Rich dad poor dad and Cash flow quadrant. Yes, it is possible by aplying financial intelegence. Jyoti Kothari Hyderabad/Jaipur
In a way your right, no matter what your taxed and everything even if you can afford it. There is no way you can just have money and not need to forcefully pay it out instead of just willingly paying for things.
But you can be stable and have money left over from this draw and enough to have a large surplus, it takes tons of effort but if that is your goal then keep at it, it will make you happier then being in debt.