[ducati]

I'm not sure if you have heard the concept of paying yourself first, but basically the principle is that you take X amount of dollars out of your paycheck and set up an automatic withdrawal to fund a retirement account or savings account or both.

Whatever is left over, you spend at your discretion. It is great to have a budget, but just like a diet in weightlifting, if you aren't able to splurge once in a while, it makes it extremely difficult to stick to.

As long as you are meeting your savings and retirement goals, who cares where the rest of the money goes as long as you are able to pay your bills right? Setting up the automatic withdrawals are key though.