In the educational phase, my budget was very tight, focused on minimizing expenses due to limited income. As I entered my early professional days, my approach shifted towards leveraging credit, including financing for housing, a car, and entertainment, which introduced a high debt level. Moving into middle age, my focus pivoted towards savings and investments, prioritizing financial security and growth. Now, in the latter stage of life, I’ve adopted a balanced budget approach, aiming to maintain financial stability and comfort.