Spending money on clothes or lifestyle items can be gratifying, but cast your mind into the future. The value of those purchased items is likely to be near zero: it was a short-term fix! An alternative is to consider the gratification that comes from growth: something well understood by farmers and gardeners. In money terms, that leads you towards investment, and its capacity for rising value. Of course risk is often cited as the reason why people don't invest: but surely buying something which is more likely than not to have a future value is better than buying something that will have no value? What's your take on these alternative approaches to money?