- Do you carry a balance on your credit cards?
- Is your car worth more than your house/home?
- Do you purchase "new" cars?
- Do you max out your contributions to your 401k?
- Do you make extra principle payments on your mortgage?
- Do you think the S&P is going to give you 10% returns on into retirement?
- Do you plan on living off of social security when you retire?
- Do you live paycheck to paycheck?
- Do you save less than 20% of your income every month?
- Do you worship a financial ENTERTAINER (ie Dave Ramsey, Suze Orman)?
As I said, there is still hope. None of us are perfect. Just keep following Richest Man In Zion, and keep trying to make good financial decisions. True change takes time.
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