One of the most powerful tools in your arsenal is your ability to say no to things you can't afford. If you don't, you may be paying for those things for years and years.
Why should you pay for short term experiences and products over the long term? When you do, you just build up a wave of debt that follows you through life. Then, if something slows your boat, that following wave of debt may catch up with you and swamp your boat.
It all sounds easy. But, in real life, it's tough to say, "No." Nobody wants to live some monastic life. It's more of a matter of reigning it in. Substituting something cheap for something expensive. Finding a free pastime instead of an expensive one. The hope is that when you do spend money you spend it on something good: an investment in yourself or your family or a truly unforgettable life experience.
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