With all the talk about reserves and all, its important that we all self-retrospect. Reserves in an individual’s life are the savings we make after earning or making a profit. Saving money is more than a financial habit, it’s a mindset. Reserves help reduce anxiety and interrupt the debt cycle. People without reserves are forced to use kaloba when unexpected expenses occur. Saving money is more than just a habit and requires practical skills. In order to succeed, one needs to have the ability to delay gratification. This means prioritizing long term benefits over immediate pleasures. By training yourself to wait for rewards, you can make more thoughtful financial decisions. If a child is demanding to go on a school...