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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?

I agree with you boss. Bad spending habit is like flat tyres. You can't go nowhere unless you fix them.

You can't afford it overnight unless u do yahoo or inherit from rich parents. Without that, you need to pass thru a process which requires fixing bad money habits and cultivating good money habits.

Even if you do yahoo or inherit fortune or hammer, bad spending habits will not sustain it. You will waste and lavish it and return to square one.

Fixing a bad spending habit is a more responsible and sustainable approach compared to simply affording it. It leads to financial stability, helps avoid debt, and creates healthier financial habits. Addressing the issue requires self-awareness and better financial decision-making, and seeking advice from a professional can be beneficial in developing a plan to overcome the habit. Small changes can have a significant impact on improving your financial situation over time.

Deon wrote: ↑July 29th, 2023, 9:59 am Fixing a bad spending habit is a more responsible and sustainable approach compared to simply affording it. It leads to financial stability, helps avoid debt, and creates healthier financial habits. Addressing the issue requires self-awareness and better financial decision-making, and seeking advice from a professional can be beneficial in developing a plan to overcome the habit. Small changes can have a significant impact on improving your financial situation over time.

All said very true.

But yahoo boys wont agree.

Bad spending habits will not sustain wealth. Fix them!!!

Jegz wrote: ↑July 27th, 2023, 5:47 am 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?

I agree with you.

Almost everyone understands they need to cut off unnecessary spending to make quality progress in life.

Greatness wrote: ↑July 29th, 2023, 3:30 pm Almost everyone understands they need to cut off unnecessary spending to make quality progress in life.

That's the point.

Fix them
Very necessary

Fixed it

Control spending