Your work pays your bills. That’s its first job you need to earn enough to pay the rent, put food on the table, and keep the lights on. After you’ve met those essential obligations come other, near-essential expenses: a car, insurance, and entertainment. As earnings increase the first change is in the quality that those expenses bring. The apartment becomes bigger. The food becomes better. The car is newer and shinier. Entertainment stretches from a cinema and popcorn to a trip to Cancun. At that point, the issue of how to spend money changes. Once you can afford to make choices, one of those choices becomes not spending money. You can put it aside and save it for a rainy day. That money-saving switches from a luxury that would be nice to have to an essential that any responsible adult makes sure that they have. Spending money is easy. There’s …