Consumerism
Lifestyle expenses and rampant consumerism, heavily advertised to us, are making us more and more broke, year after year.
We tend to buy expensive things on credit, because we think our lifestyle has to look good no matter how are finances are in reality.
Plug this hole and a majority of the problem is solved.
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"In fact, the confidence of the people is worth more than money." ~ Carter G. Woodson
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