3 years before my turning point and three years after. Shopping is all waste. Whereas most of housing is savings via debt payoff. Shopping was cut in half even as income went up. Travel and food costs went up. Uncategorized means I just wasn’t paying attention to mint as much in the first 3 years. The number of transactions dropped to less than 20%. I cut out 80% of the moments where I decided to spend money. That helps with psychology. As the frequency of saying yes to purchases drops, the resistance to wasteful spending increases.