Today a person can get by with living modestly and prevent themselves from dangers of dept and others if they just remember and keep to one line in life
“GET WHAT YOU NEED NOT WHAT YOU WANT”
try it for a month and see how your finances are coming along. Make yourselves a budget from every tiny expense to ALL income amounts including gifts etc… So you will HONESTLY know where your holding financially (are you just making it from paycheck to paycheck, are you able to boruch Hashem put some into saving for your daughter’s wedding? Or chas vshalom overspending on honest bills and going inti dept which requires immediate assistance so it doesn’t grow and get worse)
A financial advisor
May Hashem give everyone Hatzlacha if we do our hishtadlus and only spend our money Hashem gifted us with on NEEDS and NOT ON EXTRAS like 3 cars and 3 Vacations. There’s plenty of affordable vacations for the entire family close to home without the need to run to Florida Israel or Los Angeles Vacations