lescat, 99% spend more than they earn - until the interest becomes too great.
My brother-in-law has always worked hard. Yes, I'm sure they get plenty of FTB, but that wasn't the driver - they wanted lots of kids (and they aren't muslims, before anyone starts!). The Australia trip is on his long service leave.
Just frugal, commonsense saving now so you can spend later. I know, weird!
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