In a sense, personal finance is a battle of conservation. People manage their resources in the hopes they won't run out of the essentials -- only what people find essential can differ. This centers around the fear of losing money or some other aspect of your financial life, and overcoming that fear should involve some element of minimizing the reality of it happening.
Offensive vs. Defensive Finance
Fundamentally, some people approach finance on the offensive, while others are on the defensive. People on the offensive are driven by acquiring more, or advancing their careers and
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