English: A long time ago, spending money was only for the rich and famous. That changed dramatically, and now lots of people who are nowhere close to rich and famous are surely spending like they were.I believe there are many reasons that people are now shopaholics.One is credit cards are being handed out like crazy, another is that people like to show off that they are doing well, plus look at all these reality shows and finally it’s just plain old desire to have what others have and the need to compete.How many of you run to get the most updated version of your phone when you just got the phone last year and it’s in perfect condition? What about driving expensive SUV’s in the $50k-60k range and you don’t even make that annually! Buying purses that cost hundreds of dollars, because “you deserve it, you work hard” right? Getting cosmetic surgeries, boats, expensive vacations, and all types of luxuries, including “popping bottles in the club” so people think your well off, yet you work in a factory or an office making close to minimum wage.I will let you in on a little secret, most of your neighbors, friends and co-workers are broke. Many are in huge debt. If you ask them how they are doing and they are honest, they will tell you that they are just barely getting by and have zero savings. It’s a known fact that 43% of American families are spending more money than they make. Many even filed for bankruptcy a few times in their lives.People are spending far more money than they should. An easy tip: If you can “afford” luxuries but aren’t funding your 401 (k) and saving for retirement, you need to stop spending and start saving right now. Expensive items, big homes are very nice, but in reality they are unnecessary and won’t get you eternal happiness.