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I see a lot of advice online focused on cutting expenses: skip coffee, budget harder, save more, etc. But at the same time, others argue that increasing your income (new job, side hustle, skills) has a much bigger impact long term.

For people who’ve tried both:

1. What made the biggest difference for you?

2. Is there a point where saving more just isn’t worth the effort anymore?

3. Or do you think most people underestimate how much they can cut back?

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