In your observation with other people in PA how do you think people handle their money? Are they smart with their money, or do people live beyond their means?

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Far better than the average white collar worker, in my experience. Working in accounting means you generally have a good grasp of assets and liabilities, and understand how investing, compounding, and savings work. Financial Conversations with my PA friends are usually about real estate (everyone has some), 401k and stocks. On average, my non PA friends are less likely to care about those things.

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You will never know what people’s means actually are so it’s silly to try and judge

Stop worrying about other people and worry about you

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