Roy talks about the importance of not throwing money away. He also remarked the importance of "shelter", making housing a priority to everyone. Besides that, he talks about the misconceptions in retirement.
A relevante quote about this chapter is : "There are 2 things that can lead to an inability to carry debt: rising interest rates and layoffs, wage cuts, and shut downs. The reason that these are feasible to occur is that many people have been living beyond their means for an extended amount of time and it will eventually take a toll on the economy."
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