What is examples of spending money that isn’t financially responsible?

Take out, unresolved debt, partying, smoking, Amazon/Wish nic-nacs, cable, new phone, YouTube, ect…


Example I only have Netflix for $5.99 and Spotify $9.99, I do not have Disney+ or anything else. Under $20/mo for music and shows that I use daily is a reasonable spend.
What is examples of spending money that isn’t financially responsible?
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