How to Walk Away From the Fuzzy Slippers

If you have $20 left in your discretionary budget for the month, is that something to splurge on a pretty new face mask? Or would you say, I'm going to roll this over into savings? Instead, quite honestly, I would use that $20 to have some fun with. If there's excess money, yes, you ought to enjoy it. Money is not just meant to be responsible with. You're supposed to enjoy money too. It is a tool to make your life better. And even if your savings account is not fully funded, let's say I want you to have at least three months of your lowest denominator expenses.