• If you have two cows, and you need to trade your cows for something you need, you'll resist giving your cows away. But if you have money equivalent to two cows, it's easier to give it away for something you need.
• If a person has 1 euro, they will spend it all. If a person has 100 euros they will spend it all. If a person has 10,000 euros they will spend it all. Same for a million. "I have money, I can spend it."
• If you have a job that can pay for 80% of your indispensable expenses you can a) Spend the remainder treating yourself to something for all your hard work, so that you always have 'zero' or b) Save it to use it all later, on a vacation, or a house, or a car. Except that you never seem to have enough for that.
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