What does the speaker say is the difference between spending for short-term pleasure and long-term financial freedom?, Why does she say it’s important to start saving and planning for retirement early?, What is the 50/30/20 rule, and how should money be divided according to this method?, What budgeting tools or apps does she recommend using?, How does the speaker track her spending at the end of each month?, What is the “cash envelope system” and how does it work?, What does she say about comparing yourself to others when it comes to spending?, Why does she stress the importance of knowing the difference between “wants” and “needs”?, What are some examples she gives of areas where people can cut back to save money?, What quote from Warren Buffett does she mention, and what does it mean?.

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