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Hi Charles,
The process of learning how and when to spend is
part of the training that I believe Ka-Ching is doing with us and our children.
Something we started before Ka-Ching arrived in our home.
Shirley, who asked the question, and I both have
lots of little children so the issue of where to save the money as indicated in
the Parents manual in the IGAF, savings etc categories is a valid and important
issue.