Go for it! Rewarding yourself for a promotion, passing an exam or meeting a fitness goal is perfectly okay.
The retirement accounts of millennials in particular are the lowest of any generation. No generation has been under more pressure to stop spending and start saving for retirement. Those do get into debt must think about the silly rationale they are using. In exchange for a temporary boost, they are incurring six to 12 months more in credit card payments that will exert financial pressure.
“What size do you need?” asks the shop assistant as the coat beckons. “That will be RM2,000, cash or credit” she says as you whip out your credit card. Once the heart of the rich date is won, the shoes will have been a cheap investment. But if he remains indifferent, a couple thousand more has been added to the pile of debt.
Remember when the whole world lined up in front of toy stores to buy Cabbage Patch Dolls? Smart marketers convinced parents that their children had to have these cuddly dolls.
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