Mohan is a research assistant at the Federal Reserve Bank. Mohan feels that he spends too much money on rent and his coworkers and friends less than him. To control his spending he does not carry to much cash. Mohan knows some people who write down how much they spend and others check online but he doesn't do any of the two.
Mohan's short term goal is to stay out of debt his long term goal is to earn lot of money. If he was to reduce his over expenditure then he would invest that money.
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