(Hanging with the money crowd) Your mother's advice of making good friends could go beyond keeping you out of trouble as a teen. This article shows a studies that found out that when the people around you do something you are more likely to do that same things. The article discusses how this works with finances. This is a good read and something to think about when trying to make good financial habits. You friend could be part of the reason you aren't savings as much as you want to.
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