what is pollack and olens first rule and why does olen acknowledge this may be a difficult one for some people

Save 20% of your money

Explanation:

She says it may be difficult because low class people can barely make any money, the have to spend it all on the basics like cheap food, clothes, paying their bills, taxes, etc.

Or, in some cases people can save their money but they don't want to, they spend it all as soon as they get it in items they don't really need.

Pollack and Olen's first rule is that of saving ten to twenty percent of earned income.

The problem with this idea is that many may find this saving of income difficult to do because they do not make enough income to do so.