Us old'uns ran out of money a long time ago - some with families, some by bad luck, others by spending too much.....
The wise ones here would simply have saved more money when we were younger, to put by for unforeseen circumstances in the future - which is now.
Or you can enjoy life while you are young, spend what you like and improve your standard of living - its your call...
Hindsight is a wonderful thing and you have a good opportunity to put something in the kitty for a rainy day, should you choose.
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