The purpose of making money isn’t to hoard it but to spend it. This doesn’t mean encouraging blind consumption, but rather spending money promptly in the right places where it’s truly needed. For example, if you plan to marry and have children before the age of thirty, you should prepare for those expenses early and implement them step by step according to a plan, rather than waiting until everything is perfectly ready to take action. If you are hesitating while the other person also hesitates because they don’t see your effort, you might miss the opportunity. Spending money is also about timing. Whoever spends money both promptly and wisely will seize opportunities without regret. If you only focus on earning and saving but never learn how to spend properly, money will forever remain just a string of virtual numbers. How can we ensure that money is used at the right time to maximize its value for each stage of life’s goals?