In the segment of paragraph 2, “Saving teaches goalsetting a...

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Available at: https://www.forbes.com/advisor/personal-finance/ how-to-teach-your-kids-good-money-habits/ Retrieved on: Jan. 2, 2023. Adapted.
In the segment of paragraph 2, “Saving teaches goalsetting and planning. It emphasizes being prepared, and it builds security and independence.” the word “it” is a reference to
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