4. Why Extreme Saving Isn’t the Goal
Still, experts warn against taking revenge saving too far. If everyone stopped spending overnight, businesses would struggle, layoffs would follow, and the economy could contract — the exact spiral people are trying to protect themselves from.
The real goal isn’t austerity; it’s balance. Financial health means knowing when to save and when to spend intentionally.
You don’t need to deprive yourself to feel secure. Instead, think of it as re-prioritizing: keep your essentials, your safety fund, and a few genuine pleasures. The joy of money isn’t just having it — it’s using it wisely.
The rule of thumb still stands: aim for 3–6 months of expenses saved, or even 12 months if your job feels unstable. Once that cushion is in place, you can spend without fear — because you’re spending from confidence, not compulsion.
