Personal finance can be tricky in your twenties. We don’t have the experience, we make little money, and most of us hold a shit ton of debt.

Finance writer Ramit Sethi says young people are not spending consciously, and it’s become a problem. “We’re spending on whatever, then reactively feeling good or bad about it the next day.” You know, the feeling of looking at your bank statement and saying to yourself, “I spent how much?”

We should decide when and where they’re going to spend their money beforehand — travel, a night out, saving, investing, groceries, rent — after that, you free yourself from feeling guilty about spending.