I was watching an interesting documentary about Hollywood star on how and what leaded them to file for bankruptcy. I believe sometime us as people we buy things just because we want the item not because we need. For example Nicholas Caged spend $240,000 for a dinosaur scull he had 2 castle in Europe and 15 homes in L. A. I mean some people spend insanely they don't realized that the jobs and things they have is going to stay permanently. I have friends that got lucky once they had graduated from University they did an internship the company like how the work and got then a job on the stop. But they tell me how much they are financially struggling. I have friends with good paying jobs but are very cautious and always write notes on where the money is gone. The you think having a plan or organization about your expenses is important? I did mine it has worked out for me very well.