It depends what age you are, high school teen/childhood years you have no expenses before you buy a car, so you more relaxed about spending money. Which inconveniently is the same year in some states kids can use debit cards. So, imagine kids spending all their Christmas money.
Then come the years of when you can legally work and drive a car. Suddenly you are hit by gas bills and irs bills for working. You start being more hesitant to spend your money.
Then come college years, the ages of where you start needing coffee in most cases. You get hit by food bills in addition to the mess of fees. However, this is the time where people spend to split paths, some spend a couple thousand on Starbucks coffee each year. While some resort to get the nicer campus apartment.
The story is at the same time of having more expenses throughout your life, you start eventually making money.
I'm still in the teen years so I spend more or less some money.
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I always put 20% of my income in my savings and I’m pretty good at not touching it. But I’m spending that other 80% as soon as I get it lol
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I’m a big time spender right now which is necessary I have things to do
I'm a saver until I spend it lol
70% saver
30% spender
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