When I was in college in the 1970s, I noticed two things about other college students. 1) They did not have a summer job -> savings account -> budget for the 9 month school year. 2) They ran out of money.
There is nothing noble in being superior to your fellow man; true nobility is being superior to your former self. -Ernest Hemingway The man who makes no mistakes does not usually make anything.-- Edward John Phelps