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why do i constantly oscillate between having an a) intense work ethic where i consistently work hard and manage money wisely or b) pure gluttony and hedonism where i spend freely and accumulate debt (self.personalfinance)

submitted 1 year ago by _number8_ to c/[email protected]

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when i do A for long enough and my overall net worth comes close enough to zero, i switch to B and am only sometimes capable of wrangling it in

it seems impossible to actually have a balance - those two philosophies make the most sense (trying hard vs nothing matters)

whyyyy. furthermore, are there any good ways to manage this that aren’t sort of self-flagellating or overly concerned with minutia (ie like the YNAB thing). no cult stuff pls

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[–] TropicalDingdong 5 points 1 year ago

I think shifting your reward cycle would help. Right now you are hooked on the dopamine from going hard, which is fine , but if you want to change, you need to replace the reward system. It also might help to ask how old you are? It is a tendency of the youth to have a lack of long term vision, which can make it hard to create a more sustainable reward cycle .