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20% of my earnings go right into my cars. I love my cars, I love driving and that's an expense I am prepared for.
I still save a lot of money, but I do spend a lot as well. If I want it I buy it. I live once and frankly I could get hit by a bus tomorrow and never have enjoyed anything. So I use a hybrid model. I just live paycheck to paycheck technically, although my savings could handle any shortcomings.
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