Say you work for a living earning a $100k salary. You work 2000 hours in the year. Ppl see that as a $50 hourly rate.

The real hourly rate relates to what you can keep.

Save $10k? Your hourly rate was $5 that year.

Save $20k? You earned $10 per hour.

Any high salary but saving $0 = ppl earning $0 / hour, working for free ☠️