(Pro 21:20 KJV) There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.
Some people are spenders; some savers. That would seem clear but it is not always that simple. I am a saver. If I was living hand to mouth I would still have a stash that was put together one penny at a time. My wife is a spender, sort of. She has an emotional reaction to money sitting in a bank. It permeates her whole life. When she was working she never accumulated any sick leave. When she had earned a day she was struck by a mysterious illness. At the same time she is awesome at getting bargains. She has the ability to find the lowest price on anything.
I, of course, like the inference that I am wise because I save. I think it involves more than that but I will take what I can get.
So? Don’t be a spender. Eventually you end up using up what others have saved and you learn nothing in the process. It is probably too late to remind you about that this Christmas.