Avoid financial debt. Don’t spend money you haven’t earned.
Avoid social debt. Don’t spend goodwill you haven’t earned.
Avoid calendar debt. Don’t spend (free) time you haven’t earned.
The disciplined earner can be a guilt-free spender.
Avoid financial debt. Don’t spend money you haven’t earned.
Avoid social debt. Don’t spend goodwill you haven’t earned.
Avoid calendar debt. Don’t spend (free) time you haven’t earned.
The disciplined earner can be a guilt-free spender.
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