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Act your wage. Live on less than you make. It sounds obvious. Almost nobody does it.
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If you will live like no one else, later you can live like no one else.
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You must gain control over your money or the lack of it will forever control you.
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We buy things we don't need with money we don't have to impress people we don't like.
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The debt snowball works because personal finance is 80% behavior and only 20% math.