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@iskafan
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You are right, the difference isn't about living in frugality. It is knowing our financial responsibilities, and working to build our wealth around them
If we start at a young age to understand this picture, it gets better as we grow old. With this, it's important that we who have finally learned what personal finance means should try to educate the young ones, so that they do not fall into the same financial pit holes as we did.