Hello I live in Guayaquil Ecuador, and I really learned to save money and to think about my future. I started taking care of my latte factor and I closed my credit cards. Now I have a fund that takes 20 percent from my salary and I\'m so happy because I\'m out of debt. In my country they don\'t have the 401(k) or the way of paying mortgages twice a month so I\'m a little concerned, but at least I know how to save and not to spend on meaningless things. Thank you.. regards Reina
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