Well this is talking about unscrupulous bosses who want you to be an instrument of unscrupulous practices. I’ve virtually never come across a situation like this in my career, but if I did, my response to that boss would be something like “you gotta be kidding!”
It goes on to speak about basic conservative ways of living...being frugal, not getting so far in debt that you’re living pay check to pay check,, being able to put something back every paycheck, etc.
ADMIN: What is the time table for being able to use all the functions of FR?