The major reason why so many people are struggling financially is because when every time they get an increase in their salary or making more money, they also increase their spending habits. These includes getting into a larger debt, buying more items that are not a necessity in the first place. As I can quote from a book entitled Cashflow Quadrant by Robert T. Kiyosaki
"It's not how much you make, but it's how much you keep, how hard it work for you, and how many generations you keep it for."
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