Anyone who has lived paycheck to paycheck, without a social or personal safety net on which to fall back, knows that when you don't have money to spare, you don't save money. And thus the opposite is true: People with money to spare are the people who save money that they don't need to spend.- Melissa McEwan
Read the whole thing. This is what I try to tell people who ask me why I'm unable to accumulate more savings than I currently have.
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