NGL, I spent everything I had 

Is overspending making you broke?
With the ease of online shopping and cashless payments, overspending is an easy trap that we can easily and unknowingly fall into. Hear confessions from Keith and Ashley on how they used to go from paycheck to paycheck, and how they learnt to stamp out overspending from their life.
▬▬ In this video ▬▬
0:00 Intro
00:44 Most useless buys
05:33 Bad spending habits
07:52 "I know where my money is going - Shopping!"
12:12 I started tracking my money
14:10 You add to cart, but don't cart out
16:05 It's a rabbit hole...
17:57 I just want to buy it, I don't care
18:55 It's so easy to spend money with credit card!
19:47 My turning point was when I had a $10K goal
21:00 My secret for increasing income, but not spending
23:38 It's not as simple as I like, I buy
25:47 Earn more, spend more - OK right?
28:15 4 different ways to see money
31:01 I challenge my mindset towards money
33:55 It's a misconception that Gen Z spends a lot
35:16 It's ok to hustle, but just be mindful!
36:09 Appetite vs Income
38:30 Conclusion
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