As far as my tai-tai dream goes, I failed to throw any 'golden tortoise' bait.
Most people define 'spending money' here simply as the act of buying material things. However, to me, 'spending money' can be much more than that. How good is one at spending money I am talking about how prudent one is in exchanging his money for its worth. It can be exchanging for material things (consumption), gaining an experience, getting an education, accumulating investments or even setting up businesses. Recall this post Time or Money II that I wrote a couple of years back?
In terms of spending for material wants, I could simply extrapolate the famous Marie Kondo's concept here. When de-cluttering, it's all about keeping only the items that spark joy in us and discard