Where Is The Line For Frivolous Spending vs. Buying For Comfort?

[Music] Xander shops all the top term insurance companies to save you money. Get started at xander.com. Hey, I just had a general question pretty much. I'm trying to figure out where should I draw the line whenever it comes to spending a little bit of extra money on things that aren't necessary but add a little bit of extra comfort in your day-to-day or just overall life. And I can give you a couple examples of what I'm trying to talk about here. Yeah, tell me. That helps. Give us one. Yeah. So, for example, I recently bought my first um economy plus seat seat on a flight. It was never something that I that I couldn't afford. It was just something that I didn't really want to spend extra money on. Um I'm 61 for reference and a lot of these airlines are getting kind of criminal with how little leg room they give. Amen. I decided, okay, I will uh I'll splurge a little bit. And it was the flight was just 20 million times more comfortable. I could kick my feet out a bit. I can lay back and it was so much better. But it wasn't necessary to achieve the goal. Okay, let me ask you this. I'm kind of feeling a bit guilty about it. Yeah. That's Where's the story that you picked up? Where's it from? that anything above necessary is wrong or um morally bankrupt. So, I guess my position isn't that it's wrong or morally bankrupt. I guess what I'm trying to avoid is kind of just going down the uh slippery slope of I just end up spending a lot of money on things that I don't need, right? Just because it makes me feel better. Okay. But but that's my question is what are some things that I should spend extra money on just because it adds a little effort comfort. Feeling better is okay. That's what I'm trying to get to. I I for me the I cross the line when I start thinking I deserve this. Okay, that's when it crosses that's that's a moral line in my head that I don't ever want to cross. But, you know, if you are going to a work trip and you get that, you pay that extra $100 or whatever it is to get extra leg room on that flight and it lets you stretch out and let you sleep versus being cramped, then you're you walk a little bit taller, you're a little bit more rested and you can go handle yourself in that meeting a little bit better. And there's that's just a fact. That's a truth. Yeah. Agreed. Okay. And so, if you want to get tactile about it, we can put an ROI on that. I think it's a waste of time and money and effort. The reality is if you can pay cash for it and you have it and it's something that will make your day a little bit better that do it. Do it. I mean I I'll give you a little bit more practical because I I get it. I kind of have a checklist that I go through in my brain, Kevin, that is kind of the green light uh to quote Andre 3000 if I can do this right. Uh so number one is am I a person who's out of debt? If the green light is yes, check it. Right? Then I say, am I a person who budgets their money? Like, am I on a budget? Am is this part? Can I make this part of my budget? Yes. Greenlight it. Am I do I carry the proper insuranceances? Right? Have I done the things that I need to make sure I'm taking care of my family? Life insurance, term life insurance, that kind of thing. Green light. Am I saving for the future? Right? Do do I have 3 to six months set aside? Am I, you know, saving for a down payment for a home, which is also a form of savings? Am I doing those things that are important? Yes. And finally, have I prioritized generosity in my life? If I'm doing those five things and I have five green lights, yeah, buy the upgraded seat. You know, do those things. They're fun. Matter of fact, if you want another piece of this is for anybody listening, you should spend, if you've checked those five green lights, you should spend money on fun. Fun N. That is upgrade your food, right? You're not eating Top Ramen anymore. Spend more on groceries is what I'm saying. You should spend money on upgrades. That's the U. Yeah, upgrade your your plane seat, upgrade your furniture, upgrade your jeans. And finally, the N is for new experiences. Yeah, go go go on vacation. Go to a concert you've never been to. We want you guys to enjoy spending money because that's what it's there for. Uh you get out of debt and you do all of this, John, so that so that you can increase your leg room, so that you can have a better life quality with your money. Like that's the whole point of this whole thing. Xander is the best place to find term life insurance to protect your family.