If you have a monthly budget and don't have spending money budgeted in for yourself, stop now! You are going to lose your f***king MIND! One thing I have learned from having a monthly budget is that having spending money every week is very important to keeping one's sanity. My wife and I a couple of months ago tried to go a whole month without having any money to spend on ourselves -- we failed within 2 weeks.
If past history was all that is needed to play the game of money, the richest people would be librarians.
- Warren Buffett
People often say, "Millennials don't know how to manage money, save money, or that Millennials are ruining the economy because they are not smart with money". When I first heard this I refused to accept that statement. I refused to be seen as a Millennial who didn't know how to be "smart with money".