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I used to look out of my window at the buildings in Manhattan and ask myself, How are there so many people that have enough money to live here? Money is everywhere. I mean EVERYWHERE.

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When you are shopping, whether that be for groceries, clothes, or the latest Alexa-powered High-School-Musical-themed Insta-Pot from Amazon, ask yourself, “Is this a need, want, or a feeling that needs to be satisfied?”

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A grown out set of nice salon nails that are just a smidge past when they should have been filled in or redone.

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A grown out set of nice salon nails that are just a smidge past when they should have been filled in or redone.

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The first thing we must do to turn our lives around is to get our spending under control. No more spending money on the frivolous things we young people like, like avocado toast and medicine.

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Growing up in the “pseudo-middle class” meant that at a young age, I was very cognizant of how money would and could limit me and my life as I attempted to get to the place where I am supposed to be.

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We take money for granted, sort of like having a roof over our heads and indoor toilets.

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Add succulents and other cheap plants to make the room the room look more put-together.

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Being cheap costs more in the long run than spending a few bucks more for a better and longer-lasting experience.

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Yet how do you build a savings account you’re actually proud of, particularly if you are self-employed, struggling to cover your grocery bills, or still crashing on mom and dad’s couch?