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Mr. Collins, I’m a long time reader of your blog and thought I’d reach out with what I hope is a quick question. I have been living a fairly frugal lifestyle since I was a teen quite by accident and stumbled across the ERE website when trying to decide if I had enough money to retire.
Its easy to write about what the government or other people should do with our/their money. It’s harder to come up with a course of action that I can undertake on my own that possibly, somehow could make a difference.