If your answer is no, you are you are not alone, but you are making a HUGE mistake.
But you say, “Long-Term Saving and Investing wasn’t on Dave’s list”. You’re correct, but I have already completed the saving stage of my life. I am now in investing and spend mode.
If you are still working, the very FIRST expense you should ever write down is “Me”.
Make sure your “Me” Long-Term Saving and Investing account is satisfied BEFORE rent, cell phone and groceries, (ok maybe not groceries).
If you do not have money to pay yourself first, then one or more of the other 20+- expense categories is simply too large.
Want to find ways to easily trim a few expenses so that you can find money for your “Me” account. Try reading the Cash Flow Cook Book by Gordon Stein. Gordon identifies 60 ways day to day expense categories can be trimmed without having to live in a cave.
Additional ways to save a bit of money to fund your “Me” account are located at: https://theansweris.ca/Q7.php
Spending less than you make so that you can make regular contributions to your “Me” account is the first step in obtaining your own personal financial liberty, so that you can do what you want, when you want, and with who you want!
"Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do." ― Mark Twain
Too many people spend money they earned..to buy things they don’t want..to impress people that they don’t like." ― Will Rogers
Annual income twenty pounds, annual expenditure nineteen six, result happiness. Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery." ― Charles Dickens
It is not the man who has too little, but the man who craves more, that is poor." ― Seneca
Try to save something while your salary is small; it’s impossible to save after you begin to earn more." ― Jack Benny
Not everything that can be counted counts, and not everything that counts can be counted." ― Albert Einstein
A journey of a thousand miles must begin with a single step." ― Lao Tzu