If you say that someone has money to burn, you mean that they have more money than they need, or that they spend their money on things that you think are unnecessary. The persistent occurrence of unnecessary spending makes it more difficult to achieve financial stability. There is seriously nothing wrong with spending, or at least I’d never be the one to tell you so. The problem comes when we start confusing saving and spending, and see “saving” as spending less than we potentially might have rather than putting money in the bank. Call spending what it is and don’t let marketers deliberately obfuscate the two for you. Meaning: just because the store says we’re saving money doesn’t mean we actually are. The real judge is the bank account balance: does it keep getting bigger? That’s the only way it’s truly saving.