Basically, the fact that no one can teach anyone how to spend money boils down to the fact that as long as the (or your) money is not in the hands of the so-called teacher, the owner can *do and undo* it. In fact, to achieve anything in life is and must be a personal resolution that no one would coerce you to do because naturally, no one wants to be boxed around like a toy. It takes a deliberate effort to be financially disciplined. In the case of salary earners, and like what you mentioned above, it seems this money of a thing is like a spirit that will attract things you'd spend it on when you have them. Likewise, when you are kind of broke, there seem to be fewer expenses attracted to you.

Very well, I have really missed your intelligent content, comrade @josediccus. Keep up the good work!