I wanted more for myelf in life, and I knew that in order to do that, I would need to stop all of the mindless spending that I had done for decades. I needed to do everything I could to start being in control of my financial life. I did everything from looking for the cheapest energy provider to changing the way that I buy foods and anything else possible that would help me. In the end, I actually found it quite pleasurable to start paying attention to my spending and finally having the ability to save money. Before, I was living paycheck to paycheck. I had a good time buying things that I didn’t really need, but that pleasure was only temporary.
I would say that I am one of those people who would see that other people had things and I wanted them, too. I think I learned this from my parents. They both lived this way while I was growing up. Of course, it could be that they simply passed on some sort of genes to me that help to bring about impulsivity, but the end behavior is something that I did not take control of until the last couple of years. Mom and dad struggled a lot when they became seniors because they blew through money in their younger years and did not save for retirement. I knew that was going to happen to me if I didn’t do something about it quickly.
I am 40 years old. Up until 4 years ago, I had saved no money at all for retirement. I can remember my parents being 55 years old and trying to finally save a little money here and there. But that was much too late. I would say that 36 years old is too late as well. It is something that everyone needs to start doing when they are very young.