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For you to reach your goal and set plans, you need to understand your whole situation. Look at your status at a wider perspective. Millionaires understand the flow of many in their hands. They know how much comes in and how much should they let go. Poor people only try to balance this flow.
Sometimes they output is even higher than input. But for millionaires, their cash output is lower than their cash input. Therefore, they can save from their earnings.