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Not spending it.

Most of the times, I can't control my spending habits.

You might want to look at why that is the case.

Keep a percentage of my money beyond my access at all times.

Where do you keep them? For me, I'll invest them here so that I will be afraid to get them out quickly.

That's actually the better idea... It's just not too much to invest.

Living well below my means

Not spending it. 🤣

Real talk: Avoiding any unnecessary expenses.