Earning and Spending determines whether you are rich or poor

Wealth is earning minus spending

If answer is postive then you have surplus which you have saved. You can finance your investment with the savings for your kids education or retirement

Most people spend more than what they earn....they will even make loans or use credit cards to add on their income

They will not have money to save to finance their investment....these are usually people who spend on their lifestyle only  


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If you pay peanuts, you get monkeys

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