In this video I’m reacting to everyone posting their 2025 “spending wrapped,” and yeah… it’s terrifying. When you actually track every dollar, you see how fast “little treats,” subscriptions, travel, eating out, and random shopping turn into real money. I break down a few examples where people spent $70K+ and thought it was normal, and I point out the difference between necessities (housing, basic groceries, insurance) and the luxuries people keep calling “non-negotiables” (Pilates memberships, constant trips, daily takeout). I also walk through a couple’s numbers: about $197,877 gross, roughly $141K after taxes/healthcare, and only around $25K saved—while still having student loans and a car note. That’s the whole point: income doesn’t fix broke behavior. If you’re making good money but still financing cars, bleeding cash on wants, and not attacking debt, you’re going to feel stuck in 2026. My fix is simple: track your spending, stop pretending luxuries are needs, and reallocate. If you’ve got high-interest debt, I’d rather you pause the fluff (and even temporarily reduce saving) to wipe out car notes and loans, then ramp investing back up once you’re net positive.