I agree with working hard to save money for your purpose. But usually that rarely happens because those people who has plans for a business already have the money from any other source. A niece who opened a water station did that when she received money from her previous employer as part of her separation pay. She only thought of the business when the money came in. I don't think it is right to slave yourself in working too hard just to save for a capital of your business. Enjoy life while you can.