<prompt> Human: This is a concept that I struggle with. Say you have 500 in the bank and you see an item for 500 in the shops that you want - can you afford to buy it? The money is there but does that mean you can afford it? Where do you draw the line?Im 37, run a company and Im trying to unlearn bad habits so any advice would be appreciated, thanks.Edit Just wanted to say thanks for all of the helpful advice!  <response>: You need an emergency fund before you can afford a luxury or a big thing. 