Chances are excellent that deep down you’re scared to stop overspending because you’re trying to fill an emotional hole with stuff and experiences. - Jen Sincero

We tiptoe through life hoping to safely make it to death. — Unknown

*The definition of screwing someone over is taking their money and doing a lousy job or destroying their water source or enslaving populations, things like that — your mother being disappointed or your father disapproving or your friends being outraged does not qualify as screwing someone over.

Write down five beliefs/complaints/activities/environments that are constant buzzkills in your life, and then write down the specific ways in which you will immediately upgrade them.