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Many people mistakenly believe that earning more money will solve their financial problems. However, without discipline and structure, increased income often leads to increased spending. Society pressures individuals to maintain a certain image or lifestyle to gain validation from others, which can result in unsustainable expenses. It's important to avoid living beyond one's means and not to seek external approval for personal choices. An example is given of a professional football player who chose to fly Spirit Airlines instead of chartering a jet, highlighting the importance of making sensible financial decisions regardless of one's income level.