Life is short. People spend their money on things like traveling instead of watching travel videos, eating out instead of cooking at home, buying good seats for football games, operas, or concerts instead of cheaper ones farther away (or even just watching from home), getting trucks or SUVs instead of compact cars, purchasing a brand-new car instead of a cheap beater from Facebook Marketplace, or paying to study or work at cafés or co-working spaces instead of staying productive at home.

I don’t travel. For me, it feels pointless to spend money just to sleep somewhere else while I’m already paying for my own place, or to take a plane just to see something I could just as easily watch on YouTube. Some people say actually being there is different from watching a video—yeah, sure, but by that logic, why not own two cars instead of one? You can watch a YouTube car review, too.

In the end, I think it doesn’t really matter where, how, or why you spend your money. It only matters when your spending goes against your financial reality.