<prompt> Human: So to start im 24 years old and I have a very bad habit of wasting money and just swiping my card everywhere I go. I live in Boston currently, so my monthly expenses come around 1500 which includes car payments, rent, insurance, gym, and groceries. Besides that, I am currently making 85k yearly which comes out to around 2100 biweekly after taxes and insurance. I got a new car last year, so the car payments come around 400 monthly and on top of that, insurance on the car comes around 190 monthly for me. Just 2 weeks ago, i started sending one of my checks every month back home to save because if i have money, i think of anything that i can waste it on. I have tried creating a saving account to keep money on the side, but whenever i would something, i would just end up in my savings account transferring money to use. any advice would be helpful or what you would do in my situation.  <response>: No offense- grow up. This is an awful habit, and you need to take serious steps towards breaking it. Create a budget, create a plan for things you want later in life. We can give you tools, but you have to be in the mindset to WANT to implement them. We cant do it for you- so start prioritizing and as uManpooper asked- Determine what you want out of life. 