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bluGill ,

It is a spending problem. I know people who make $500k/year who live paycheck to paycheck. I know other people who make $35k/year who have money left at the end of the month (not $1000).

Now i will grant it is a lot easier to live on 500k than 35k, and a lot easier to save. However living paycheck to paycheck doesn't tell us anything.

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