Biuf: I'm not sure exactly where i fall on the minimum wage, but i do think thereis this balancing act between saying people need to earn more money and then thinking about the incentives of business owners. One thing that i see is actually, even when people make what we might deem a livable wage, there are behavior things that lead to someone not saving,. Biuf: Investing in programmes that incentivise people to save could help build up their financial well-being over time.

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