It’s true you only live once (YOLO, as it is known) so make the best of it.

It’s also true that saving for a rainy day is important.

Both can be true at the same time.

And there are consequences to both.

Spend too much and living once can be choking you with bills.

Not enjoying life to the fullest is a waste of your hard work.

I once asked my friend and mentor Wynn Etter of the Dale Carnegie Courses what made him pull the trigger to buy a brand new Cadillac.

He said, “I set a goal at the beginning of the year and reached it”.

That sounded like good advice to me:  set goals, attain them, reward yourself.

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