It is necessary to be able to be content with little, as for example the Swedes or Fins do. They buy only necessary and practical things. I can answer that, therefore, we constantly have a desire to spend and spend money, even when we buy everything we dreamed of. The grandfather is that according to Maslow's pyramid, if we satisfy the needs of the lower half of the pyramid, such as safety and food, then our needs are intelligently rearranged into the category of Comfort. And then many people buy iPhones, go on vacation to hot countries. And the paradox is that it is better to invest this money and get financial independence. But almost everyone will spend money without thinking about investments.