Savings is the bedrock of a healthy financial plan, without savings what is there to invest?
Savings also gives a sense of emotional well-being, knowing we have something to dip into in case of income shortfall
and to quote P.T. Barnum
A penny here, and a dollar there, placed at interest, goes on accumulating, and in this way the desired result is attained. It requires some training, perhaps, to accomplish this economy, but when once used to it, you will find there is more satisfaction in rational saving than in irrational spending.
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