Robert Hernandez11 said:Okay, both matter, but your attitude toward money is way more important if your income is above whatever threshold allows for a "decent life" (which is totally subjective, I guess...🤷)
Your story is the perfect example of how people should be thinking.
Even though so many people claim they "have nothing left to save," they’d be pretty shocked if they actually wrote down their expenses... 🤷
I partially agree with you there. A "decent life" is such a relative, stretchy concept—everyone has their own set of priorities. For me, living decently means being able to cover all my bills, handle my mortgage, travel a bit, eat high-quality food, catch a concert here and there, buy books, or pick up a new gadget occasionally. However—and this is the kicker—can I actually afford all of that every single month? Not quite, so I have to make sacrifices. We all have to prioritize. I know it’s a different ballgame when you’re pulling in a salary $3.25 of $5,000. But it is absolutely doable; you just need some discipline. I started by keeping a close eye on my phone bill—I played around with a few different plans over at Verizon and now I rarely go over $50. That alone has saved me $17 every month. When you multiply that by twelve, you're looking at
$200. BTW, when I shop using credit cards, I don't really get that psychological feeling of having spent actual cash 😁—which is why I ended up in the red for a while. Now, I make sure to withdraw $100 from the ATM every week, and that serves as my weekly pocket money for groceries, coffee, and stuff like that.