You live below your means and don’t buy “new” things every year. I know people who get a new phone each time a new model comes out. There’s also people who fall for the scam of purchasing new cars they can’t afford.
They also buy houses outside their budget and are house poor. Most people’s financial problems stem from lack of financial stewardship.
To be fair though they've made this almost impossible. How can any employed person raise a family of 5 these days on one normal job salary?
You live below your means and don’t buy “new” things every year. I know people who get a new phone each time a new model comes out. There’s also people who fall for the scam of purchasing new cars they can’t afford.
They also buy houses outside their budget and are house poor. Most people’s financial problems stem from lack of financial stewardship.