Best effective and lasting finincial advice I've ever received? It comes from sages. Be modest in expenditures. Discipline yourself to avoid debt. Establish reserves.Responsibility to manage finances shared between husband and wife with attitude of trust and openness. Save for unexpected & expected. Set financial goals. Be honest. Make sacrafices.Pay off debt as quickly as possible.--- Support this podcast: https://podcasters.spotify.com/pod/show/frugal2free/support