Quote from: Odogwu-Blockchain on Today at 12:04:42 PM

Is eating at a good restaurant luxurious and does that count to be a form of enjoyment? Do foods cooked at that restaurant can't be prepared in your home too. What I really think it's the best enjoyment is picnic outing with family or close ally, spending time in nature, going to beach with family and all these are not expensive but seems day fulfilling.

Everyone has their preference hence we can't expect everyone to see things in the same way you see things. Eating in the restaurant, a luxurious one can be seen as enjoyment to others despite it not being your thing. I love the way you listed them and I think that's the way we should be spending our money. Getting all the necessary things should be our number one priority, after that then we can keep aside emergency funds then savings.

With this strategy, your investments won't be sold prematurely because you have funds elsewhere to be used for other things while you're investment keep growing. Luxury should be the last thing you're allocating money to and this should only be done when your have enough leftover after sorting out the important bills. Money for investment should always be available too because that's what can change your story from being broke to wealthy.