Life is choices

What a simple yet glorious statement but this is truth. I talk to homebuyers about this and it really rings true.
I borrow and take out of my home equity and payoff bills over 30-years 62% of the consumers end up with a lot of debt later
Choosing to buy a home means this choice is more important than the choices we make for vacations, eating out and more.
We choose to buy a latte each day we spend $1300 a year
We go out to eat a meal at $40- 5 times a week we just spend $10,400 a year
We go on vacation upgrade everything and spend 10k versus 4k to show family how much we care we ht our savings by 6k
When we try and have a wine collection to bring great bottles to dinner with friends we spend unwittingly and end up with less in savings and bring wines that can be inconsitent
We finance our car insurance or life insurance versus making one single payment and we to the cost of insurance just for convienance
We want to buy the biggest home we have and spend our reserves we have placed ourselves in a position where the odds of issues are higher
When we do not talk about money and budgets as a couple then we spend everything we have

Life is chocies people make a life choice for your future go on vacation but budget, eat out less often better for your financial and general health. Choose what will you spend with eyes open as a choice not just it is Monday I spent $500 opver the weekend what do I have to show for it?