I think it's pretty simple to work toward a comfortable existence:
- Stay in school until graduation.
- Learn a marketable skill.
- Work diligently.
- Marry and save before having children.
- Stay married.
- Live well within one's means.
- Save and invest carefully.
- Stay out of trouble.
The vast majority of people I know who are suffering financially violated one or more of the common sense behaviors above.
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