How to plan for the hot state

Pay attention to the moral licensing words, "I deserve it because..." The permission-giving has some truth to it, but then there's future you that also deserves the good.

• In order to satisfy both worlds, set aside some cash now that is safe to spend without putting yourself in financial danger.
• Create some cooling space between you and spending. Try to wait 24 hours before buying something unplanned.
• Find a photo representing something you're working toward getting in a year or a few years. Make that your phone's home screen to remind yourself of the bigger picture.