The primary focus of the saver is on the outgoing category. In their view, living within one’s means equates to saving more by spending less. It comes down to lowering expectations, setting aside desires, and delaying gratification until there is a large enough stockpile to proceed without debt–or forever, if necessary. On the other hand, the primary focus of the earner is on the incoming category. They are less focused on living within their means than expanding the means they have to live within. They don’t lower expectations or set aside desires. Instead, they use them as their benchmark
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