The Saver-Investors are people who are typically employees with middle-class income, but who lived very frugally and that’s why they were able to save some money. Not only is it the easiest way to build wealth, but if they start early, it almost always guarantees a lot of money. They had a low cost of living and preferred to save, rather than spend lavishly. They saved 20% or more of their income. They started investing their savings early in life and continued to do so prudently for many years. No matter what xxiv
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