“You think I don’t know meh?!”
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Stages of personal finance:
(1)Survival (2)Wealth building (3)Fulfillment
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I think the toughest part is balancing the gratification part. That one cup of Chagee after a long day of meeting, a hearty meal after a hectic week, occasional gifts either to ourselves or the people we love… As important as those things are, I’m just sceptical about these being “real” mental needs or just marketing propaganda like what they did with Valentine’s Day and the need to propose using diamond rings.
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Well to be in abundance, there are only two ways: Either increasing our income or decrease our expenses. I’m definitely inclined to the camp of increasing income because we could only save as much as we earn… Once again, easier said than done. But it should be hard since it’s that limited resource that everyone is striving towards…
