Not hard to say but hard to do. Everyone's income is different as well as their needs are also different. It's hard to start saving, let alone saving from a third of my income every month. What happens is that sometimes my income for one month cannot meet my needs for the next month, so I have to borrow money to just survive.

maybe in the future I will try to manage my finances and set aside some of my income every month to start saving. And trying to find additional income to add to my savings. to answer future problems such as unexpected events (accidents) and to prepare for old age.

the stupid thing that humans do is work continuously and can't enjoy old age because there are still debt repayments so they can't retire from their jobs. Prestige is one of the reasons someone borrows money or credit. when they work they are embarrassed if they have to go by motorbike or public transportation so they take years of car payments and when they have a family they are ashamed if they have to live with their parents so they take home installments. Continue like that, extend the installments until you don't feel old, but the installments don't go away, so you can't retire from work because you don't have any other income to pay the installments.

Doing business and investing is the solution to getting out of the work zone. But not everyone dares to get out of that zone, they think that if you do business the income is uncertain while the installments must be paid every month. and have no extra money to invest being drained by mortgages and everyday life.
the solution to these problems you must have the will, courage and seriousness in doing business. all you need to do to get out of the work zone is, by managing your finances so that you have the capital to do business and start investing. if you still can't leave your job or are in doubt then try to manage your time between work and business. later when your business is good you can leave your job.

saving and investing wisely and choosing categories like gold, bitcoin, cryptocurrencies are some of the ways to deal with inflation. and it's all a long term investment.

And it's true that when there's inflation, it's possible that the prices of some key commodities will rise so that your savings may not be enough to buy supplies. then what you have to do besides looking for additional income you should also start trying to grow crops such as vegetables by using hydroponic planting methods that do not require large areas of land and livestock such as fish which can be combined with growing hydroponic vegetables and other livestock on the land that you have or around your house to meet daily life and deal with inflation. so you can save and invest more.

I agree with this opinion that when someone does not have financial knowledge, however much money he has, it will be used up for nothing. and vice versa, when you have financial knowledge but you don't have any money or capital at all, what happens is that your knowledge about finance is useless because there is no application related to that knowledge.

And if I had a choice between a financial education or a million dollars. if possible I will choose both, with me having financial knowledge and one million dollars, the knowledge I get will be immediately useful because I already have money to manage and the one million dollars given to me will not be in vain because I already have the knowledge to manage it.

the biggest mistake is when you borrow money and the money is used to meet daily needs or borrow money with the aim of paying off previous debts is a ridiculous thing to do. until in the end you can't pay bills because the money you borrow is not used wisely and causes you to be in debt.

and what you have to do here doesn't mean you have to stop borrowing money, but use the borrowed money as best and wisely as possible. when you get a loan it means you get the opportunity to start a business because you already have temporary capital. thus you can have a new business and have additional income so you don't need to be confused anymore for bills every month because you get results from the efforts you make.

many people think and do silly things by spending all their money on useless items or items whose prices can drop drastically unexpectedly like a new car. in the hope that the money that comes out is not in vain even though the opposite happens when you buy the latest car at a price of 500 million a few months later maybe the price of the car will go down because there is another new car and without realizing that what you are buying is not a need but only prestige .
and there are indeed not a few people who waste their money traveling and going to restaurants to just hang out with the assumption that it is an experience. when in fact it was not a meaningful experience. the real experience is you start a business and try to invest to get used to managing finances. and you experience losses and you are able to rise so that you become a successful entrepreneur.

I agree with the statement that indeed everyone wants to be rich. but the question is why everyone can't be rich even though everyone wants to be rich.?

Every person's life is different but almost everyone wants to be rich. In this case, we both know that to achieve success it is not enough just to have a will, but it must be accompanied by efforts to continue to get opportunities to become rich. There are several ways to get out of the poor zone. First, start creating your own business by not just relying on income from one source. Second, start managing your finances by not buying the things you want with the intention of just showing off to look like someone who can afford it, but buy the things you need so that your expenses are clear and your finances can be organized. Third, start investing so that your money can last a long time and you can get more profit from the money you invest

Gambling responsibly in the sense that a person can control himself while playing gambling without leaving what is his responsibility. he can manage his finances, not risking all of his possessions, but playing reasonably and not exaggerating. It's not uncommon for life and family to be destroyed because of playing excessively by risking all the assets he has in the hope that the assets at stake can multiply many times over. but what happened was the opposite, the treasure he was betting on was gone without remainder.

So play wisely and responsibly without leaving what is your duty. do not let your life and family be destroyed because of gambling.

not only the government but everyone can do that. as long as they are able to manage their finances and can control their ego. because it is true that the higher your income, the lifestyle will increase.

the only difference is when their government has received guarantees even until their old age (that's what happened in my country), but even so as long as they are unable to manage their finances and cannot take advantage of their position when in office. then still his life will be lacking and his lifestyle cannot be fully fulfilled. and vice versa when a person is able to manage his finances, control himself and is able to take advantage of opportunities that come even without guarantees from anyone. their life will be safe and fulfilled because they can guarantee themselves.

I agree with the opinion expressed, that knowledge, experience and hard work can lead someone to the gate of success. and laziness becomes an inhibiting factor in achieving success.
Opportunities will come to people who want to keep trying and can take advantage of the opportunities that come to them. it's different with people who are lazy and just careless, no matter how many opportunities come to them they will waste the opportunity so that in the end they will regret not being able to take advantage of the opportunities that come to them.

as long as there is a will there is a way, then keep trying as much as possible to lead you to the gate of success

saving can make you rich, that's the adage of parents to their children. the logic is not right if saving can make you rich, because saving will only slow you down so you can be rich. because the money you save will not rotate and will not increase your income. On the other hand, don't ever think that by working part-time you can save even more, it must be remembered that when you work part-time not only can you not enjoy your wealth, but your health will decrease and your assets will be used up for hospital fees so that your health recovered and able to work again.
And it's wrong to think if you are already married and you only invest your money in your children by sending them to school as high as possible with the hope that when they graduate and work they can change the family economy.

then start making a business with the money you have and invest your money so that your wealth will increase and save some to overcome eventualities such as accidents that occur and to guarantee your old age. and don't make your children your guarantee in old age, let what they get and what they achieve guarantee their future life.

gambling is a personal choice. a person is free to make decisions for himself. but the wrong choice if you think gambling is a job and you are willing to sacrifice and invest your wealth for things that are uncertain. Gambling is a game so play properly to simply relieve stress and try to control yourself so that you are not controlled by gambling games. Adolescents are very unstable and have passionate passions, so it is not uncommon for teenagers to fall into and become addicted to gambling because they still cannot control themselves.
the social environment and friendships are the main factors for someone to play gambling, so while you are young, be smart in sorting out and choosing positive associations that don't harm you or your friends. and you must be able to leave associations that only have a negative impact, especially for yourself.

you need to know that whatever amount of money we have is transitory, the more you have a lot of money, the lifestyle will increase so that you only waste money on things that are not important. but it does not apply to people who can take advantage of opportunities and can control themselves. so when you have a lot of money. the first is to immediately lend your money so that your money is still there. Second, immediately invest your money to keep your money and increase the wealth you have. third, immediately try to start your business so you can learn to manage money and even if you lose you will get expensive experience, so that later when you start another business it will be better because there has been an evaluation of the previous business so you don't experience losses.

and the man who runs the oil industry fails to take advantage of the opportunities that come his way and cannot organize and manage what he gets.

Opportunities are always there for those who want to try. and not a few also the government contributes through banking agencies that provide capital support and provide opportunities for someone to own a business, but the wrong thinking when someone gets a money loan is not that someone is starting a business but the loan is used to fulfill their daily life so that not a few people deeply in debt and remain in poverty. because they cannot take advantage of the opportunities that exist/have been provided by the government.

actually being a student is not difficult when we can manage time, think positively and think forward, in terms of saving, the solution is to be consistent with the desired goals and expectations, the key is to be patient and be able to sort out and choose when in what circumstances we can use the savings , and when it's hard for us to get side jobs, we can try to open new jobs with strong ideas and mentality

War is a conflict between a region, a country, because it has a specific goal, for example, wanting to break free from the shackles of colonialism, because, injustice, the leadership is arbitrary, which results in riots, damage, between one another. many victims fell, on both sides, so many were harmed, the impact of the war.
1. many victims, especially, women, children
2. the occurrence of famine, due to lack of food
3. Paralyzed road access, economic collapse.
4. delays in supply, export and import, from various countries, due to the conflict. steps to reach an agreement, there must be awareness or stop it, war, between the two sides, must negotiate, with each other, make peace, end the war.

Relationships in every household must be based on a sense of responsibility, a sense of belonging, respect for one another, especially when they have children. the responsibility is very big. a father, mother. must be a role model for their children at home, the children's main teacher is, both parents. new to school. Children have rights and obligations from their parents
1. the right to get a proper education.
2. The right to be treated fairly.
3. get, protection, affection.
Duties, parents
1. to provide protection, comfort, etc.
the role of parents is very influential on their children, especially in many cases of children being bullied, due to lack of supervision, especially brokenhom children, cases of divorce of their parents.

We as the Indonesian people must be grateful, with the existence of such advanced technology, so that we can be able to compete with other countries. especially with bitcoin really helping, we get knowledge, insight, know about investment, how to regulate, money management.

Money is a legal means of payment, before recognizing the existence of money, there was a barter system, exchanging goods, so be frugal, when using money, just buy the things you need.