You're right, it takes a lot of strategies and technique, but above all, life uncertainties hit and sets us back. I think sometimes we have to try to live above these uncertainties because irrespective of how huge our problems are, we still generally need to have bulk money to establish our lives.
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Yes, that's what I always tell myself. It's necessary to save in both good and bad times because it serves as a financial cushion in which we can operate better in life.