Two of yours are also mine! Finish the dissertation and fiscal. My money situation is that after a lifetime of having to live paycheck-to-paycheck, I still do mentally. I no longer need to but I do because of my habits and mindset. Growing up, I didn’t get to take vacations or go to camps or programs or have fancy new things (which now I think makes me better but back then, oh woe was me!). In college and my young professional days, I didn’t make enough. Now I make plenty yet still spend. Do I have money left at the end of the pay period? Yes! Let’s go shopping! Let’s buy a plane ticket! Ugh. Must.change.brain!