I will admit it: I love to spend money. If I am bored and out and about in a city, I might start ducking into local shops to see if there is anything I “need” inside. If I hear anyone throw out the word “happy hour,” I am the first to ask when we are going. This desire to spend money to have fun is not actually a problem in some cases (experiences over things, for example), but it becomes a lot more difficult when there is no longer an inflow of money to speak of.