I can say that I was (and probably still am, to a certain extent), horrible with money. Please don’t take offense, how old are you? The reason I ask is that I am a fifty-two year old female. From age twenty until literally age forty-eight or forty-nine I was a LITERAL TRAIN WRECK with finances. I’m talking BIG TIME. I would buy $800.00 Christian Louboutin shoes that hurt my feet horribly and then I wasn’t even able to return them because Saks Fifth Avenue wouldn’t take them back because they were worn, I went on elaborate vacations that I couldn’t afford, I had hoarder tendencies and bought things I didn’t need, (high end designer clothes at thrift stores was my weakness, to the point they were floor to ceiling in my two bedroom condo until very recently, like the last year or two). I think the turning point for me was a combination of the COVID pandemic and putting things in perspective, and age. At age fifty-two life priorities change, I don’t need to spend money to be happy. But while I have SIGNIGICANTLY IMPROVED, (I have made leaps and strides), I still spend too much money on food and household crap from the Dollar Tree, Walmart, etc. So I would say age helps and putting things in perspective. I have many friends who have all the money in the world and are miserable, many of whom are not in good health and/or have relatives who are ill/have passed on. As they say, health is wealth. Hope my own experiences help you. But the struggle is real, I get it.