Have a list of wants so great, even if only an online wish list, that you simply cannot decide what to get (even when you have the spare cash). Become filled with the joy of all your desires, that your mind decides it will acquire everything listed; even if it means delayed gratification, now you realize that some urgent intelligent investing, over several months, on a consistent basis, or similar financial plan is sufficient action for a life changing shift.
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From @voltte7