Re: Repaying or saving? Which is more difficult?
People settle into the the amount of money they have. That is why many people feel they are still living paycheck to paycheck even after they get a raise. One of the best pieces of advice I ever received was to bank any pay raise you ever get. That is, whenever you get a raise, whatever the raise was for, predend you didn't get it and put that amount of money in savings. You are living won raise behind instead of one ahead like most people and you will have plenty of savings by retirement age.
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