Advice From T.C.

If you earn a high salary, let's say arbitrarily six figures (starting at $100 000), consider leaving not within your means but below it.

Be modest in your materialism. 

That way, you'll be in a solid position to squirrel away savings and investments should the company your work for sinks.

I know. That Maserati looks mighty fine but there will be a time for that toy.

This advice was brought to you by T.C.: Your budget-lord, teacher and above all, friend.

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