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The fact is it’s both. You have to become committed to saving and investing if you’re ever going to become financially free, but I can tell you nothing bugs me more than to hear people say, “If you just don’t drink that extra latte per week, and then you invest that $3 at 10% for the next 45 years, you’ll end up with a trillion dollars.” C’mon, be realistic. Most of us don’t have the desire or the discipline to go without life’s little perks. And I don’t think you should have to.
Here’s my advice: if you want to become financially independent, then you need to be a decent saver and a great earner. Make so much money that your earning outpaces your spending. Combine that with some trustworthy investing patterns, and you’ll get there.
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