One thing I've noticed is that most people tend to think they can't save any more than they already do (which is often times nothing). But not much later, they buy something that requires a monthly payment. They found a way to part with that money that before was impossible to part with.

Has anybody else encountered this? Have you been able to convince the person that they've had the ability to save all along, without knowing it? Usually, pointing out what I've mentioned has a response of "this is different,"   discounting the idea that saving was ever possible.
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