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-In the figure above, negative saving occurs
External Locus of Control
The belief that external forces beyond one's personal control determine life's events, leading to a perception of having little influence over one's fate.
Luck
The experience of notably positive, negative, or improbable events.
Exertion of Energy
The physical or mental effort applied to do something or achieve a particular result.
Self-Control
The ability to regulate one's emotions, thoughts, and behaviors in the face of temptations and impulses.
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