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i AGREE 100% with you…as i said b4 if he is NOT struggling then u MUST be able to keep ur savings. i’m sure if, God forbid some unforseen things must happen, u’ll be the first one to take that money out and spend where its needed. i think u r right he has to smarten up and sit down with u or with u AND a financial advisor to chart up a budget that will see the money going where it should go.
on the lighter note, yes, he need tightening big time … u CAN do it! iA**