Dave Ramsey says these are the two questions that separate rich people from poor peopleThe mindset of wealthy individuals focuses on total affordability, while those in debt often concentrate on initial down payments.
We're in our mid 40s and have been retired for a decade - why do we still feel guilty when we spend money?The Reddit user needs to change his mindset to enjoy his wealth rather than feel guilty about spending.Transforming a frugal mindset requires time and possibly professional guidance.