RE: Luxury later and savings now

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I would prefer to save money now and spend luxury later. You can deprive yourself now and thank yourself in the future. At this age I really learned that saving money is essential which I did not do when I was young and earning a decent amount of money. Right now I kinda regretted my spending habits way back. This time moving forward it's better to invest some of your money to multiply or even triple it. Because at the end of the day you will thank yourself you made a good decision by investing it. I call it delay gratification.



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