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The People That Lend You Money Basically Give You An Answer Based On The Risk That They Are Willing To Take. But Just Because A Bank Is Willing To Take A Particular Risk Doesn't Mean That That Is The Right Amount For Me To Spend.

What You Should Do Is Wait Until The End Of Each Month, And Then Say, "ok, How Much Money Do I Have? How Much Do I Need? Let Me Send The Rest To Retirement."

If You Think Of People As Making Decisions Actively, Every Time We Think About The Cup Of Coffee, We Say, "how Much Will I Enjoy The Cup Of Coffee, What Else Could I Not Do In The Future Because I Buy This Cup Of Coffee?

It Is Helpful To Think Of People As Having Two Fundamental Motivations: The Desire To See Ourselves As Honest, Good People, And The Desire To Gain The Benefits That Come From Cheating - On Our Taxes Or On The Football Field.

When We Save, Everybody In The Household Is Just Suffering. By Having The Coin In A Visible Way, When You Scratch, You Can Say The Person That Is In Charge Of The Making Money For The Family Is Doing The Right Thing.