Thanks to modern spending habits, many of us can admit to barely scraping by if life throws curveballs when we least expect it.

On a visit back to her childhood home, Ziyu obtains pearls of financial wisdom from her 88-year-old grandma, who had to scrimp hard just to raise a family and eventually buy a home. If it was already tough back then, what does that say about keeping our future needs covered these days?

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