Please let me clarify first: anyone who is extremely poor or wealthy is not included in this discussion. Only those who are employed with steady income, some savings and spare time will find this topic useful. I guess most of us are doing fine now but financially we have to face one common problem: how to spend money. This issue leads to many consequences if not handled properly. Here I would not start any broad and subjective agruement. To deliver my message clearly, I am using some specific examples to elaborate. For example, a lot of peole complain that their income is not enough to cover their daily expenses so they can't save much money while...they spend seven bucks on a cup of coffee almost every morning, throw a hundred dollars on some gym membership cards but never show up training, have dinner with some random girl in an expensive restaurant, buy drinks in bars and waste hundreds of dollars... The list goes on and on. If you live this kind of lifestyle and at the end of months, you are running out of money or can't pay the mortgages, whose fault is this ? I can not provide any statisitics but I am sure that many people have fallen in the trap and can not get out. I hope you are not one of them.
This is simple and I will make it easy for you to comprehend. Just because you like to stay indoors doesn't mean I'm equally introverted, I could be an extrovert that wouldn't want to stay home. Again, because I love taking bear and hanging out doesn't mean you have to be like me. It is all choices even if we earn the same amount of money, all life without fun is doesn't make sense, but we have to do it moderately but saying because my source of income is never enough should limit my way of life totally is out of debates, I will save and spend flamboyantly but it doesn't mean I must suffer it.