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That's a funny one, about learning to spend. My wife is always concerned about being frivolous. She grew up in a large family that raised rabbits to have meat on the table. We decided to use percentages based on our saved liquid assets, to determine what would be frivolous. She laughs when I explain that a small percentage a particular item is that she is interesting. She doesn't spend that much, but putting in terms of percentage lets her choose rather than being fearful. Kinda like portfolio allocation. :)

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