Below is screenshot of a conversation initiated by a person who believes bad spending habit should be fixed first in order to attain financial stability, and another person of a counter opinion who rather than fixing a bad spending habit wants to be able to afford them.
These are two serious but contradictory opinions. Who would you go with?
I personally am of the opinion that financial mastery is a journey. And even if you desire to be able to afford your flamboyant spending habit in the long run, in order to get to that stage, you will have to fix those habits along the line first. Otherwise, these habits will impede your progress while trying to get to the stage where you could afford them.
Do you agree with me? What's your take on this?


