<prompt> Human: What is the point of paying off debt and saving money? I understand security but if you theoretically have a safety net, what can I use as motivation to help my husband stop over spending and try to get our finances in the Black? His argument is that making money is relatively easy so sitting on cash makes no sense you cant enjoy numbers in a screen so why not spend and enjoy it now?  <response>: If making money is so easy why doesnt he do it? He should be able to make enough to provide child care for your children and then bring more to the table. Also your parents money might not always be there. They could spend it all on a world tour or a lengthy battle with a disease. 