It's interesting to read others views on finances, I've been known to splash the cash on a whim( especially during Fg Fridays😉) However I had a good decade where I literally lived hand to mouth when the kids were young, the ex never worked either, such a great help, so when I started earning decent money I just blew it on whatever, didn't care about my debts and for a long time lived in an overdraft, the thing is I couldn't get loans but still wanted the bikes and the trips. That changed a few years back and I decided I'd at least get out of the overdraft, and once I'd done that the lifestyle though still not frugal had meant that I could continue to save and now after the savings due to covid sees me in my best financial position which means I can turn down overtime and if work drys up I can survive for a while. Now I want to look towards early retirement, not sure how feasible that will be post covid.