Everyone has their own opinions and beliefs about money. Most people are very set in their ways and have a hard time facing the facts.  It’s difficult to change your habits, especially when you see the people around you buying nice cars, take vacations, and spending money on other luxuries.     The advice I hear from strangers, friends and even family doesn’t always align with my views and what I’ve learned to actually work.  Honestly, it’s hard to find anyone with my same money .