Very well said, it's a broad spectrum and not everyone falls in one basket, but when we know a certain person well then we understand their life patterns and that's where we can learn from. Like I mentioned, my aunt and her husband both were well off in their younger days and earned good together, but they never had a strong concept and discipline of saving. Also their patterns of spendings were all wrong, they would spend on luxury things and not save for their future, thinking that they have 2 daughters and they will take care of them. Such ideologies in today's time are very unrealistic.
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