Sometimes, we learn in a hard way. My younger sister would always tell me to enjoy my life because we only live once. Inasmuch as I love that, I still apply wisdom because one shouldn't spend everything because life is once and then going to borrow when all is finished. It is good to be able to spare some funds as emergency even if one would want to go on a spending spree, at least they know they have something to fall back on later.