Certified financial consultant? They don't always work on every one, someone who isn't disciplined while they are broke can never become disciplined when they make money.
Being disciplined is something that will really be that a personal trait of a certain individual on which there's no way that could be able to tell whether someone do make out some good choices or decisions
because each of us does have that own self control and discipline towards things. If you wont really be that good when it comes into this aspect then on the time or moment that you do have the money
then it will really be that giving out that kind of vibe or thinking that you should be buying up first into those things that you've been wishing or having that goal for.
It is really just that depending on how you would really be that handling yourself into such conditions when it comes on spending up money.
If ever i do win up a life changing amount, so here's my plan:
1. Buy a house
2. Buy a car
3. Build business
4. Time deposit
5. Crypto investment
6. Real estate investment
7. A mix of traveling.

The moment that you had able to make some investment or business that could potentially bring up that passive income
then this is the moment or time that you do consider yourself on rewarding yourself into more luxury things.