I am glad a friend helped point the way on living within my means. MY job paid well, yet controlling and planning my cost of living took almost 20 years to develop. I live in the suburbs of a city with high housing, Taxes, and transportation costs. Currently, my kids are filing their first Income Taxes. What a challenge.
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It is great that someone helped "point the way." I am glad to hear that.
Like a lot of things in life, we are either mentored or we stumble and fumble as we learn. You make a great point. Financial lessons often take years to practice and apply before they become normal.
My oldest is 13. I still have a couple more years before she files her first income tax, but now is the best time to get her prepared.