Telling her about the 20% and hbd is also very good. Even sitting with hbd comes with decentralized accessibility so unless somebody is disciplined within themselves it will be difficult to establish savings Goal within themselves.

No, this wasn't HBD because HBD isn't fixed. You can take it out in 3 days... Lol.

Yeah I have been trying to get the video to upload, so it took almost 3 hours.

Ouch! Sorry about that.

Last week I missed some of your posts because we did not have power supply for some days. This week, I am hoping I wouldn't have any reason to miss them... So I am trying to start on a good foot 🙈

The actually were great, I had some while growing up. In as much as they really did not amount to anything, as kids we loved the training and education that came with it

Definitely. The training was worth it although there weren't interest and inflation could have done us bad.

This is why people actually choose third parties just like your friend did with you because no one trust themselves when it comes to keeping their money.

I personally do not trust my friend with her own money. She has this saving demeanor (I have forgotten the words used to describe people who save others even when they need help themselves and do so frequently without control). I don't blame her though, there was a time I lived like that but now, my eyes have opened but there are a few remnants 😅