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Learn to Save, Not Just Make More Money

When I first started working at my new job last year, I met a co-worker that was disgusted at the fact that companies buy all of their products on credit and don’t pay for anything with cash until long after the product is actually received. I distinctly remember him asking rhetorically, “Why can’t companies just buy their products with cash? Why does everyone in this world need to go into debt to buy stuff? Why can’t we all just live within our means?”

Now, a year later, the story has changed. After getting his first taste of luxury with his 2008 Audi A4 (which was purchased with a loan by the way), he is now salivating for a bigger house. Instead of being content with his $120,000 condo in a great part of town, he has begun to set his sights on a $300,000 brick home with more bedrooms than

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