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Jan 1, 2023 – There's a very simple solution to your complex financial problem: stop spending money for a while! Try to think more like a fiscal conservative and hold onto your wallet like it's your lifeline. Your already complicated relationship with money is getting more and more complex, but that's only because you're succumbing to trends and peer pressure. The bottom line is still the same: don't spend more than you have, and save more than you need.