What would you do

• You (avoid) unnecessary debt…
• You (avoid) living paycheck to paycheck…
• You (be) prepared for unexpected expenses…
• You (have) money to invest…
• You (make) larger purchases later…
• You (save) for a dream kitchen renovation…
• You (have) more money left at the end of the month...
• You (invest) in your education…

if you won the lottery?

• … if you (not have) so many subscriptions.
• … if you (not upgrade) your phone every year.
• … if you (be) more disciplined with your purchases.
• … if you (have) more disposable income.
• … if you (find) a second job.
• … if you (avoid) impulse buys.
• … if you (not be) influenced by adverts.
• … if you (cook) at home.