How long can you continue to spend more each month than you make? I don't fully trust that story. Maybe many of the people who have "no savings" have a mortgag

How long can you continue to spend more each month than you make? I don't fully trust that story. Maybe many of the people who have "no savings" have a mortgage to pay off? Technically they have a debt and all spare money goes to the bank, but really they own a house that is worth more than the debt? In such cases I'd say it is more of a mindset issue.