<prompt> Human: Hi all,So a little background. I am a college student 19. I had good grades out of high school and I go to college for free. I have a little side job that pulls in about 150 a week. I try to minimize expenses the most I can eating out, luxury items, clothes, etc.. This past month I have taken a real lock down approach on my spending other than groceries and the basic life bills because I want to start a Roth IRA while Im young. Now that Ive taken this approach, it really hurts when some expense either foreseen or unforeseen comes up. Example: Had to spend 150 on bike parts today. Not a crushing expense by any means, but still pains me knowing that I could have much better put that money somewhere else. Even when I shop for groceries it kind of hurts. Bottom line- it pains me to spend money after being a big spender in my teen years. What is a good attitude to take about this?  <response>: Saving is important, dont get me wrong. Do it as much as you can. But youre also young, and these are the years you find yourself and grow as a person. Be smart and dont spend on dumb things, but also dont miss out on life now because youre pinching pennies saving for when youre older. Philosophy of mine was to not be afraid to spend money on memories and experiences rather than things. 