If they've worked hard and yet end up like this, then it must be the lack of financial planning that has caused it.
Why didn't they know the importance of financial planning?
It could be due to ignorance, complacency, or simply because nobody ever told or taught them that.
The necessity of financial planning for an individual should be taught and emphasized during one's upbringing both in family and schools.
住戶編號:1961896
的日記本
檢舉原因
心情: 
