You can say someone is being financially reckless when spending way more than he earns and like you noted, leading to financial difficulties and certainly debts.
Budgeting in simple terms means planning whatever income you're got on how best to spend on what's important and needed at the moment. Our wants being so insatiable could be said to be greater than our income, our needs however, can be comfortably taken care of also having some left over for savings.

Perhaps you're the one that's thinking about all the hype and talk on social media a little bit too much? Bitcoin is doing great and has continued to beat expectations, reaching a new height. Of course it would be widely talked about. What did you expect?
You talk about seeing all whatever it is you're seeing on Twitter. Lots of things, news, information as well as propaganda are being regularly posted on there. Take it easy yourself. Don't let memes and tales from random accounts that are mostly likely bots on social media tug at your heart strings.

Investments, no doubt has been proven to grow wealth. We shouldn't forget in a haste that, as investments has its rewards, there are also risks(sometimes really crazy ones)attached and you could as well lose your money as quickly as you could blink your eyes.
I would say the major problem on why people can't invest isn't procrastination, rather, it's simply cause there isn't any money that is kept aside and can be used for investments. When you haven't got anything saved up, how/what would you invest?

You don't have to be rich to invest. That's true. You also don't want to use all you've got to invest having little to nothing to fall back on while waiting on your investment to yield profits(if it does)

Businesses, big and small do have savings. Big corporations are majorly big cause they've got investments all over that bring in profits. Doesn't mean there isn't any savings. You can literally have both savings and investments. These large corporations definitely have money saved and reserved to guard against unforeseen events that could be detrimental and may hinder the profits from rolling in.

Also, new and hot projects that were not planned for are invested in using money that is saved up.
Having savings is like having a safety net on a construction site. It helps guard against unforseen circumstances. What business wouldn't have some savings?

Most exchanges would probably have a third party company do these verification checks. So be sure to note that when you give out your information to get verified on such exchanges.

KYC in ecchanges do have its uses as it helps one to prove ownership of an account amongst other things. Great for people who don't mind giving a great deal of control to the exchange holding and managing their funds.
About the data collected and who gets to see it? Who knows.. it could always be shared, sold or stolen. Once it's out there, it's out there.

The topic literally says "biggest bitcoin holder". No one is talking about intelligent scores or who has more contributions to the adoption of bitcoin and its community. It's simply who holds the highest number of bitcoin.
Satoshi currently holds the highest number of bitcoin and seeing that he hasn't moved or sold any, he sits comfortably at the top of the list of the biggest holders.

Bitcointalk username: Iroh
BTC Address: bc1qclelapdkj8yr6z065a2p06wh33laxfz6cu93gz

I would say your third point in your post, corruption is the main hindrance affecting developing countries concerning the issues of loans and bailouts.
Loans typically given out, comes with an interest attached. A country, having focused leaders with genuine plans to grow the country would take loans only when necessary and use them for it's intended use and not steal such funds for personal use.

When borrowed funds are embezzled, and it's intended use left unaccomplished, there is little option than to borrow again for that same project. And having little to no credit worthiness, financial institutions that give loans wouldn't be so willing to give such countries more loans.
Desperation sets in and in a bid to get more loans, deals are made. Deals that aren't favorable for the country taking the loan and putting the country into more debt than it could manage.

I think a lot of topics(this one included) has been extensively talked about already, especially on this board but keep reappearing, being asked in a different way and tone likely for the sake of bringing up discussions. Such topics, being redundant would then go on to have a handful of good, quite useful contributions and then a sea of also contributions all saying more or less the same thing.

Everyone understands that no money equals being broke. And even if it's seemingly common sense not to gamble with the last money in your possession, a lot of people still go ahead to do it. And later regret it. People actually use the last money they've got having high hopes of winning some more for themselves.

I think Ronaldo is doing a great job at staying as fit as he is. He still works hard and though he may be perceived as being old, I think he's still quite relevant in the team. If not for anything else, for motivational purposes in boosting the morale of the team.

There was an attempt he made at goal with a header from a corner kick. Springing up and above everyone else, I knew he still got it. Although, it went wide, I thought that was a nice attempt and pretty good for an "old" player.
He may not be as hot as he was in his prime, he still knows what needs to be done and strives to do it.

It's easy to have and share opinions when you're not the one in the spotlight. You're right, business and investments generally doesn't have a manual that one could follow hence the different opinions from people.

You've got a good point. Diversifying your business investments happens when you've got the capital to easily manage them. Having little capital, it's much better to do a proper research on one and when satisifed it could bring you some good return. pour your energy into it. This is where insurance comes in. Things can and do go wrong at any time(when you least expect). Things beyond our control. Hence the need to have some good insurance.

Trump's tariff wars has been unnecessary and so far hasn't been beneficial(at least to the general public) and I really don't see why anyone would actually support these policies. It's no wonder it has been rightly dubbed TACO trade.

I once thought Trump doesn't fully understand the consequences of what he spews out concerning tariffs and international trade, but after posting on his truth social about how it's a great time to buy before revising his tariffs, it's became clear that he does understand at the very least, how to manipulate the markets for the benefit of only a handful of people.

Bitcointalk Username: Iroh
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Bitcointalk Username: Iroh
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Bitcointalk Username: Iroh
BSC Wallet Address: 0xC464498786686EF0ff77c3AeBE10c0405DB76FDD

They sure didn't put up the best performance while playing and the 3 goals they conceded is certainly proof of that. Admittedly,  they did put up somewhat of a fight.
I didn't think Zirkzee was the perfect pick as forward to start the game with. Also, the red card gotten by Fernandes further weakened their morale, if they had any to begin with, as they were one man down.

Onana did a great deal in helping keep balls from going in and the scoreline would have been far more humiliating if not for Onana managing to keep a few of the goal bound shots from going in.

Royalstarscasino Username: Iroh
Bep2.0 USDT Wallet Address: 0x8a10C789adEAcD8e72BaD5C3b32194B773986B32

I wouldn't want to purchase anything from just any newbie account that barely has a history on here. You've also haven't got any reputation as one who sells stuffs. Perhaps, that would have helped some members turn a blind eye to your newbie account.
I'm sure you can understand any hesitation from other members to do a trade with you when there are other reputable people that are known and somewhat trusted by the community.

Don't let all of that bring you down. Keep doing what you do and you'll definitely get the recognition and trades you now desire.

Marketing literally helps to sell your product or services to potential consumers. If done right, it gives a product or service a much wider coverage thereby keeping and attracting new consumers.
Marketing helps put your business out there. A strategic marketing team would strive and likely succeed in giving your business a wider audience as shown in the example in the OP. A business that has plans to grow, expand and succeed in the labor market would definitely want people to know about them.

Having quality products and services does help in retaining consumers. Reaching out to and getting these consumers is what's needed to be done and that's marketing comes in.

Hopefully Manchester United could come out as the winner. It’s about 3 minutes till the 90 minutes are up and perhaps some minutes of extra time. I agree, Rashford hasn’t been really good in this game and I think he should have been substituted much earlier.
I felt sorry for Manchester United as the second goal was disallowed due to Zirkzee being offside .
The game is slowly looking to be a draw but it can be anyone’s game as both sides are still pushing on looking for another goal to up the other and claim the three points.