@JeremyCherfas I should be more careful with my money and something like YNAB would probably help me save money. I have no debt other than my car (which is financed via a 0% interest loan so it's not costing me anything) but I'm not saving nearly as much as I could because I'm all "oooh! pretty! must have!" when I see something I want, Instead of saying "you really don't need that or will never use it"—which might happen if I used something like YNAB.