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Savings and Income
While a case can be made for lower savings rates because of lower income, the more pressing effect of personal debt is a far greater factor. As debt increases beyond even pollyannish gains in income, it seems clear that is where the real problem lies, in regards to savings.
Pretty hard to put any aside, when you're paying that much just on debt service.
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John
Ontario 32 - Aria
Free, is the heart, that lives not, in fear.
Full, is the spirit, that thinks not, of falling.
True, is the soul, that hesitates not, to give.
Alive, is the one, that believes, in love. JCP
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