@finnian. Yes the spending is one of the factors to keep in mind. I will address this in the episode 2 weeks from now I think (I don't remember the schedule of by heart). Yet to me, it is also important to be able to do what you love. If you are happier spending all your money on travelling rather than becoming rich, please do so. I like to do both. I'm just back from Sri Lanka and I absolutely loved it. Yet I'm also making sure my investments work :)