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I once new a man who received 20 dollars per hour from his work, but always complained he did not make enough. Of course, he had to drive the latest Ford truck that got 12 miles to the gallon, as well as live lavishly in splendor with too much month at the end of the money.

All he had to do was manage his income versus his expenses in Excel to realize he was living beyond his means. If he did this, he could modify his behaviour. He was conservative, so he said! Well this fiscal conservative social Democrat can teach you and him a lesson with my book: