I recommend seeking out a counselor? Go visit a great investment specialist (Fidelity/Edward Jones) and determine how to take all the money your spending and invest it wisely into. Roth IRA. Then, just before the 1st, buy a calculator and calculate how much money you have wasted on your (Monger Addiction) this year? Thereafter, take the amount (Marsean ie: $50,000). Calculate that by 4 %. I was getting 10-12 % before Biden. Then, take that amount and x it by 5 years? If you ceased your addictive behavior for the next 5 years and invested this money, how much would you have?
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