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A lot of people who have up until now been spending money having a good time now need to be more careful with their money.

Can you break these long sentence to its components and analyse the semantic and syntax of it please?

  • Commas after spending money and good time would go a long way towards clarifying the sentence. – Ronald Sole Mar 27 '18 at 9:57
  • @RonaldSole - Or a conjunction such as and or while between “money” and “having” might help as well. The original is not very well written; I’d prefer: Many people who have been spending money while having a good time need to be more careful with their money now. – J.R. Mar 27 '18 at 10:43
  • @J.R. I'd prefer it too! – Ronald Sole Mar 27 '18 at 10:53
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A lot of people
who have
up until now
been spending money
having a good time
now need to be more careful with their money.

Syntax is correct. The sentence means:
Up until now a lot of people had enough money. So they could afford kind of a luxurious lifestyle. Now times are harder, they earn less money, or things have simply become more expensive, so they have to think twice whether they should buy something.

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