We’ve been honest sounding boards during money fights, and we’ve offered to take savings/debt classes, but old habits die hard.
Old habits die hard, is amazing how one gets unrest then he knows he has some fortune somewhere. But when there is nothing, we leave with it. Most people are not willing to invest, and it's an act of indiscipline
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You are right. We are creatures of habit. We are also products of our environment thus we often model what we say.
If our family was crappy with money, we tend to be also.
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