[Bookie]

That depends on where you are in terms of lifestyle and spending habits, doesn't it?

For the average American (whatever that mythic beast might be), I'd say it's easier to save money. There are so many ways to economize that savings come easily and quickly. After a certain point, however, the choices become both fewer and harder. The available economies diminish in magnitude. At that point, earning more, however you elect to go about it, becomes a better option from a cost-effective perspective.