Where does your money go?
A good chunk probably goes to living expenses (housing, food, utility bills, transportation so you can keep money coming in). That’s understandable.
Then I hope you’re saving some.
Maybe you’re giving some to charity.
But I’m betting that a lot of money is going to unnecessary things. I’m even guilty of it. I could have a less expensive phone service or choose between Netflix and Hulu or cut out any other number of things. But, at the same time, for the most part, I’m pretty happy with my life and my financial growth so I’m not going to complain.
What kills me is when I hear folks complaining about how much money they don’t have but they’re at the bar every weekend or never invest in getting work done on their résumés. Your money says a ton about what you value. Actually, your money says more than your mouth does about what you value. I could say I love my alma mater but how much would you think I loved it if I made $50,000 a year and couldn’t find $20 to donate back on their day of giving so that another young person can have an experience like I did?
Over a month, I charge you to take copious notes on where your dollars have flocked to and see if that matches with what you say you value.
Make fiscal responsibiliy a priority.