Hi Bobby,

Thanks for your thoughts!

I absolutely agree. Lunch and coffee out are supposed to be rare luxuries. Spending on food, clothing, and transportation seem to be those categories that really eat into budgets because of the conflation of wants with needs there.

I myself fell into a few similarly bad money habits when I got out of school. Thankfully I woke up and made serious changes once I found myself living paycheck to paycheck. And within a few months, on an entry level salary, I was consistently saving over half my income.

So when I hear those complaints, I do have to wonder what lifestyle changes have been attempted.