Never clipping a coupon
You don’t have to resort to extreme couponing. Coupon-clipping for specific items you regularly buy can translate into serious savings. Over $500 billion in coupon opportunities were made available in 2017. Less than $5 billion were redeemed by people. Couponing shame stops a lot of people from redeeming coupons. Yet half of all people who use coupons make more than $150,000 a year.
Mostly correct, but some people have no ability with no fault of their own. I was well prepared for retirement, but I also cared for people in trouble and brought a couple into the United States from the woman fired because she was not Catholic. Then because I refused to work at that one place (out of 20 countries where I did work) I was also fired. I saved enough to buy a property, but lived on social security. Then when a college student who lived in my house was forced out because she was interested in my life and reading the Bible, she was forced to sign a paper against me and put me in jail when I broke no law or did anything wrong, so I had to increase my mortgage to where I can save nothing.
In other words, based on my work in most states and 20 countries, I am very careful to avoid judgement by appearance or conditions.