<prompt> Human: For example to buy a car, each trip consisting of gas, parking, servicing and depreciation must be less than an Uber or taxi.  <response>: My personal rules:1. Dont pay others to do things I can do with minimal to moderate effort. I learn a new skill and save some money. 2. Generic Brand name for groceries and medicine. 3. Budget savings like a bill. Its a requirement. Discretionary funds are last. 4. 75 of every raisepay increasebonus goes to savings. The other 25 is for fun. 5. Hobbies: Generally speaking, improving yourself and your skills is more important than improving your gear. Cost less too. 6. I have pretty good credit 800s but I help my folks out financially so flexibility and wiggle room is important. For instance, I like to assume the monthly payment of a 3 year loan car when budgeting, and pay at least that amount, but go for the 60 month loan. I will pay a bit more in interest if it gives me options when my folks get sick or end up in the hospital. If nothing happens to my folks, I still pay the car off early. 