Are you worried about your spending?
The key, contrary to popular belief, is to not sweat the small stuff.
Eating at home more often, skipping the morning Starbucks, and clipping coupons are unlikely to meaningfully improve your budget.
Instead, focus on reducing your big expenses like housing costs, car payments, those large loan payments, etc.
A modestly less expensive living situation or car can save so much money, you just won’t have to sweat the small stuff anymore.
Besides, the happiness we derive from our financial well-being is about spending money on experiences, not stuff!