our life is like a bank account: we don’t want to spend everything but we don’t want to be a miser and save every penny. we’re only young once, but, with any luck, we’ll also be old at some point. Plan on a career, but don’t let it overcome the rest of your life. Take care of yourself, but don’t make it an obsession. Save enough money so that we have enough for the future and for emergencies, but spend enough now to avoid looking back with regret.