 it's going out you don't know what you're spending it on you're not on a budget and at the end of the day because of that you're not able to do the things that cause you to be a financially responsible person you're not savings you don't have savings you're not investing for retirement you you are carrying debt you're still getting into debt right all of those things that we teach you to do you're not setting your family up and your children up uh long term for college and things like that so