<prompt> Human: I have payed off majority of my debts in a years time. Now Im able to pocket most of the money I make. How much I make and what I still owe is irrelevant. My question is, what are some tips or methods that keep you from spending when money is burning a hole in your pocket?  <response>: Setup goals around saving: for retirement, for short-term needs, long-term needs, travel, etc.If you actually sit down and think about, there are probably a lot of things you could be saving up vs waiting for it to happen. Youll be surprised how much is left after you account for those items.If youre hitting your goals, you should feel free to spend what is left. 