I have been carrying on an annual tradition of sharing how much I spend in the year, and today I will do the same and share my spending in 2022. When we receive our income, we allocate it in the following ways: Spending for today – These are our current expenses. Spending in the past – These are the repayments on the debts we owe. Spending in the future – These will be our savings and investments. They are meant to fulfil a life goal in the future, which will require some money. I need to consider whether I spend today or in the future and minimize how much I spend today to pay for my past. Some save too much of their spending for the future and sell themselves short today, while some end up paying for sizable spending in the past. Are we wise spenders? We...