One of the quote that I remembered most fondly from last year was posted by United States financial blogger Financial Samurai about saving money. If you don’t find it painful saving money, you’re not saving enough. If you’re not sweating at the gym and your muscles don’t feel sore the next day, you might as well go eat a double cheeseburger with a milkshake and fries because you’re just wasting your time. The same goes with saving. I think he wouldn’t made this quote for no reason. This quote was made, possibly due to the culmination of what he observed, heard about and interact with people. The sentiments is that he felt people are not trying hard enough. And you might be thinking: Hey everyone have their own set of baggage in life, who is he to dictate how much I should spend? And if that is your...