NEVER USE FUTURE MONEY

When I was 18 years old after taking my freedom key I described myself "Enjoy myself first" strategy, which works fantastic in a short term because I'm able to spend what I don't have, but in the long term let say $10,000.00 x 8% interest for 20 years end up about $46,600.00 . This is where being frugal comes in once i realise it. ........