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You are five bad money habits that keep people broke, and this is coming from someone who's achieved financial freedom in their 20s. Number five, most people spend first and then save what's left over. Instead, follow the 80-20 rule, save 20% and then spend the remaining 80. Number four, 99% of warm buff is wealth, happened after he turned 50. For most people, the easiest way to get rich is with time. So start investing early and often. Number three, if you can't afford something to cash, you definitely should not be using your credit card for it. Number two, if you don't know where your money is coming from or going to, it's already gone. Keep track of your income and your expenses. And number one, the average savings rate in the US is 4.6%, which is pretty terrible. If you want to learn how to save $1,000 this month without feeling overwhelmed, comment 1K, and I'll send you to private link.