Money is a tool, not a goal, and you get more out of it when you spend it on the stuff that matters to you most. The problem is, it's easy to spend without giving it much thought. To get a better idea of your habits, try author Carl Richards' 30-day, three-second experiment.
We can be especially judgmental when it comes to money. Your friend buys a house, you assume he can't afford it and should just keep renting -- like you do. Or your cousin spends $20,000 on a wedding, and you think that's crazy -- you only spent $7000 on yours. Instead of judging other people's habits, try learning the full story, which is more productive.
