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I think it is pretty obvious; it's just not easy to restrain yourself from the temptation of getting a new toy, and it's too easy to rationalize why it's not necessary to save right now.



The fact that it's obvious but not easy does not necessarily mean that it's not worth reiterating periodically. Quite the opposite.

Another good example of something that's obvious and hard to do is "Make something people want" :-)




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