I am in your target audience! I can live from payday to payday on any salary. My only savings are mandatory pensions and my only asset is home equity.

It's not recklessness or stress avoidance. I would not have to work anymore if I had ever taken it seriously. Many people have sat me down and explained budgets and expense tracking to me. Now I download my transactions and categorize them every month, and I look at spending trends... but this information does not influence my behavior.

people holding on to money is what causes other people to be poor.