<prompt> Human: Ive seen my mother struggle with money for a while, and she is a huge advocate of paying off stuff on a set amount of time I am sorry I dont remember the wordt for this while I am more of the idea that if I dont have money to pay it off straight right now, Im not willing to sign off a payment for it as the months go by.As of right now I am 24, and my idea is that the only two things I wanna pay as the time goes, is a house and a car, but stuff like electronics, games, vacations, and so on, as I said, if I cant pay it off , I would rather not have it.Is this a goodcommon mindset?  <response>: I am sure your mom is a lovely lady, but objectively she is unlikely to give good financial advice. Assuming she had you at 26, she would be 50, and anyone struggling with money at that age is likely, if not terrible, objectively not great with money. 