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Begin earning and investing early in your adult life.
It's much easier in America to earn a lot than it is to accumulate wealth.
Remember, wealth is blind. It cares not if its patrons are well educated.
What if your goal is to become financially independent?
Your plan should be to sacrifice high consumption today for financial independence tomorrow.
Why would someone who is a millionaire need to budget?
They became millionaires by budgeting and controlling expenses, and they maintain their affluent status the same way.
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