I am very lucky to have a chunk of disposable income every month. However, I want to invest and save most of it, because I recognize that disposable income can quickly disappear given the right circumstances.
My problem is a time old one, that I struggle with material desires, and how easy it is to treat it as play money.
Does anyone have any advice how to offset those impulses or otherwise make it easier in the moment to check myself?
You're right. I think my biggest hangup is I spent most of my life, adult or otherwise, scraping by. So up until now my concept of budgeting would only include paying bills by nature. I guess I do need to just advance my approach to budgeting.
I hate to link back to Reddit, but the /r/personalfinance sidebar had great information. Especially the flow chart. Start there. Best of luck!