<prompt> Human: Hi, not sure why it took me so long to find this sub. Im 32, single, make 130kyear, and have very poor spending habits. I impulse buy a lot and Amazon Prime is killing me. Im not saving much because I dont have a plan. This sub is giving me major anxiety. - 750mo car payment 2 interest loan- 2700mo mortgage 3.7 loan- 500-750mo on food cant cook- 500mo on other expenses- no other debt- 6.5 401k 3.5 matched- might save 1kmo and leave it in my checking until I throw it in crypto or another dipping stock, which always results in capital losses- got an undisciplined portfolio. Always playing with volatile stocks.- 800 credit score Ideally, how much should I save? Should I save for another house? How should I invest now? I see IRA mentioned a lot here but I never did that. Still embarrassingly ignorant with that. How much can I use for traveling? How do I find balance?How the hell does someone get out of the mentality of always wanting the best brandquality of everything? I dont even know how I developed this expensive taste because my parents were always very frugal. Anyone holding cash in anticipation for another 2008 market crash? Ive bought some gold and silver bullions anyone buying physical metals? Prices havent gone anywhere in a few years. Assistant: Oh man this post is all over the place. You go from talking about super volatile stocks and crypto to talking about holding raw cash and panic selling in anticipation of the next crash, which by the way the experts have been predicting will happen for the last 5 years. Do yourself a favor read the sidebar articles. Learn how to cook, its really not that difficult especially now a days with the abundance of YouTube tutorials etc. Cancel your Amazon Prime membership and unattach your cards from it, if you feel like that would help with self control. Human: Yeah, I know its all over the place. Sorry about that. My brain is usually like that. Sounds like learning to cook is the common suggestion here. I just never thought it was worth it to learn. Takes an hour or two to cook and clean and only 15 min to eat. With my luck, the moment I commit to heavily investing is the moment the market crashes. I take it no one here is really holding onto cash?  <response>: You can cook a healthy, delicious meal from prep to eating to cleanup in less than an hour total. 