 and you ought to do all three always regardless you ought to save and invest it for future goals and you do need some goals whatever they are i don't care if it's family in the goal okay let's say i want to be a millionaire by the time i'm 40 i don't care let's set it up okay the second thing is you need to enjoy money have some fun with it plan a vacation yeah and spend some of it on good old eric he's a good dude he works hard okay the third thing is you need to be generous