Whether we realize it or not, times have changed lifestyles, starting from transportation, appearance, food menus, entertainment, etc. Changes in a person's lifestyle will certainly result in a more consumptive or wasteful lifestyle. A lifestyle that prioritizes momentary pleasure rather than saving and investing to build a brighter future. When they realize the need for finances in the future, changing lifestyle habits cannot be done in a short time, especially if they apply a strict budget, then their lives will be tormented. So what do you think?