to be a breadwinner, to be the member of a family who earns the money that the family needs, to be financially literate, having the knowledge, skills, and understanding necessary to effectively manage personal finances, to live paycheck to paycheck, spending all your income on the necessities and have little to no money left, to live within your means, to spend less money than you receive as income, to owe money, to have to pay money back to someone, to pay off debts, to give someone all the money that you owe them, to take early retirement, to stop working at a younger age than most people, to take out a mortgage, to borrow money from a bank to buy a house

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