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Capricorn is a long-term planner, and you're wise to apply these skills to your finances. Budgets, careful investments, and real estate are all favored for you. Cautious Cap is uneasy with get-rich-quick schemes (though you may fall for one in your early years) — avoid them like the plague! You're a builder, so follow your natural hardworking instincts and let your wealth amass over time. Financial goals are a must. Give yourself a challenge, and hold tight to a vision or a dream for moneymaking motivation.
With your tendency to worry, you can hold on too tight to cash during leaner times, fearing a worst-case scenario and working yourself up into a neurotic frenzy. If you find yourself being Scrooge-like, or freaking out, pause and take a breath. Things are never as bad as they seem. Your sign errs on the side of pessimism, and it's easy for you to lose perspective.
Another pitfall for Caps is getting stuck in the provider role. If you find yourself giving all your money away to support other people, set some healthy boundaries. Just because you CAN earn enough for the whole family doesn't mean you have to be their Sugar Mama. As the expression goes, "Give a man a fish, he'll eat for a day. Teach him to fish and he'll eat for a lifetime." Empower the people around you by sharing your wisdom. Then, let go and let them learn and earn on their own.
The money you save can be used to treat yourself! You work hard, so find ways to spend on play, like setting up a fun fund or a vacation account. Hang out with a lighthearted Gemini, Leo or Sagittarius, whose opposite approach can help you break out of a scarcity mentality.