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TOEFL Daily Speaking Topic: Do you believe in saving the money one earns or spending it on your present desires?

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TOEFL Daily Speaking Topic: Do you believe in saving the money one earns or spending it on your present desires?

Ans: According to me, we must save the money we earn. The reason is not only to earn wealth but also to secure the future. Life is unpredictable, and it requires financial backups for unforeseen circumstances like medical emergencies or job losses. Saving makes us financially independent and helps us make certain major life decisions, such as investing in businesses, pursuing education, or even early retirement.

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In addition to this, the habit of saving brings a sense of discipline and responsibility. It helps people make conscious spending decisions and distinguish their needs from their wants. Lastly, by saving money, the person can largely benefit from the power of compound interest. To conclude, spending money on your current desires can give immediate satisfaction, but saving money can bring long-term advantages and peace of mind. Therefore, saving money is a must-have habit. In conclusion, while spending money on current desires may give immediate satisfaction, saving money can offer long-term advantages and peace of mind. Therefore, establishing a saving habit is a must.

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