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?
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A lot of people
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.