What separates those with and those without money

I disagree but am probably wrong. Those that have money are those that don't spend money. Live beneath your means and you will always be ahead. My motto anyway.

A janitor that makes 20,000 a year spends 15,000. A doctor makes 150,000 and spends 180,000. The janitor is much better off. Money does not buy happiness.

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What separates those with and those without money

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At 25, rich parents and trust funds.

At 50, solid retirement planning and work ethic. And those with rich parents and trust funds.

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hawgfaninc

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What separates those with and those without money

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Money.

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Money does not buy happiness.

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Being broke can't buy you anything.

without money: use their money to get material things

with money: use their money to make more money

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Money does not buy happiness.

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Maybe not, but happiness sure as hell can be rented.....

good bet

Attitude about money. People who spend their money before they make it are usually the worst off.

Planning ahead to make your money work for you, rather than pay finance charges (a form of indentured servitude, if not outright slavery) is probably what separates most people with money and without.

Poor people can choose to spend less now, to make more later. They just choose not too.

Now, it is much easier to lose wealth than it is to gain it, but that is the nature of money and resources generally. People under-utilize the magic of compound interest.

Debt