Life is a matter of perspective. If we see things incorrectly then we will make incorrect assumptions and then incorrectly decisions. When I was younger I though that any money I had in my wallet or bank account was mine. If you think this was as well then I ask you to let me present a better perspective. The money you have is not yours. You are just managing it for your future self. You are literally your own financial manager. If you spend today's money on things that decrease in value then you just stole from yourself. Your future self. What is the roll of a financial manager? To get the highest returns on the money as possible. What has low or negative returns? . A night out . A movie . Personal vehicles . Toys & hobbies . Holidays / vacations . Parties . Games What has high returns . Health and fitness (to a point) . Personal & Professional development training . Communication skill training . Coaching/mentoring (with the right people) Anything where you can invest in something that will directly lead to higher financial returns or increased earning potential. So look at money as an investment tool, not a spending too.