It seems that what normally happens ( and I'm guilty of this in my past also)is that people live on the edge, paycheck to paycheck, then later find that what they are doing isn't working.
Say, they find that they should start saving, investing and tithing. But they are living on 100% of their income. So what do they do? IMO, they should do whatever it takes to live on the 90% or 80% that they think they should be living on. This may mean selling your home and cars and cutting many other expenses to get there, but many of them decide not to change. My brother is one of those, he has filed BK twice and is still living in debt, paycheck to paycheck.
He is not willing to give up his ciggerettes or motorcycle etc. My point is, that even when people know they should do something different, they don't, because stuff is more important to them than financial security.
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