

Struggling taught me that if I don’t use my money right now it’ll be gone.
And I’m not saying that to contradict you. It’s funny how different people learn different lessons from the same experience. I grew up dirt poor. If I didn’t spend my money as a kid it might be called upon. And that’s the lesson I took for years. I didn’t really start saving seriously until I was closing in on 40. I have money in retirement now (and will likely retire early), but it’s because I did without for a few years trying to play catch up while making good money. It’s not a tactic I recommend. If I had started it back when I was 18 I could be really close to retirement right now.
This is exactly it. I’m glad you could explain it better than I could. I still don’t understand it necessarily, but I don’t understand a lot of what I lived so I’ll survive.
I mean I really only solved it by having accounts I don’t look at (emergency fund, retirement), accounts I use regularly (bill pay, “entertainment”) and an accountant who helped me set it up so I wasn’t spending every dime. It can be done by yourself but I wasn’t psychologically prepared. I’m also the only employee of my LLC so there’s a business account but it’s just taxes, my salary, and enough for a new computer every few years. That’s not my account and I never personally touch it.