Of good management of your available finances. Doesn't change generation after generation. Gets some decent income, go flash, you fail, banks win. Go low key, long hours, hard work, live within means, slowly develop equity, you get ahead of the curve, you win. Doesn't matter where, what country, when, what decade, failures and successes are repeated over & over, and with people with meager beginnings, or even born with that silver spoon. Anyone can succeed, and anyone can fail. People need to be taught how to manage their finance for the future, not enjoy themselves while trying to impress family and friends, with possessions & lifestyle, they can't afford, if wanting to build equity. 2 simple rules .... ... if you can't pay cash, you can't afford it now ... don't borrow money to buy depreciating toys
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