Saving is tough and people need to be consistent if they do want to save. This requires them to actually put in some work and build out a plan because throwing the money into the bank isn't going to help too much. You got to let that money work for you but most people don't have the financial education to do so.
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Some people do not even care about throwing the money into banks provided they would not have access to it. It takes a certain kind of sophistication to establish the discipline and consistency to develop a workable saving plan. But since early you are actually right one must try to make their money work for them.