This could look like ordering DoorDash three nights in a row instead of cooking, upgrading your car before it’s really necessary, or jumping on a sale ‘just because.’ Meanwhile, financial goals like paying down debt , saving for retirement, or building an emergency fund get left behind.“It’s easy to fall into because it feels like you’re just doing what you’re ‘supposed’ to do,” Baggerly said. “You’re working hard and earning more, so you deserve the nicer couch or the spontaneous weekend trip, right? The p ...