I make people look at their finances; I make them acknowledge their debt. So many people will bury their heads in the sand and think their debt will magically disappear. It won’t. Just like anything else, when you can really look at it, and acknowledge it, that’s when you can start to work on it....
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Wants versus needs
Knowing the difference between wants and needs when you're about to spend money gives you one thing: the freedom to choose. Freedom of choice means you can be flexible. And flexibility gives us one thing that helps us more than anything: the ability to adapt.
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