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I find the remarks like "if you can't afford to tip" hilarious.
When you make that remark you're basically saying "I'm not rich"
You're thinking in terms of whether or not you can afford something, whereas others are thinking in terms of whether or not they "should" do something.
You don't become wealthy by throwing money around trying to look wealthy. You become wealthy by making every decision about every dollar wisely. Wealthy people by and large are very frugal, and they make every dollar count.
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