When you have .42 cents in the bank at the end of the month, $12,000 in retirement, do you need to give up all hope of becoming well-off? Is it possible to become wealthy at that point?
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Budgeting is overrated for most people. What you focus on expands. Therefore, when people focus totally on expenses, they will expand. I have proven from experience that the best way to wealth and financial freedom is to focus on your income.