Ryan and Andrew go into detail on one of their favorite topics Cash Flow. Spending is one part of cash flow and they discuss different types of spending. Not that spending is bad, but without discipline and balance, it can lead some people in the wrong direction.

https://www.cbn.com/finance/crownsimpulsivepending.aspx?mobile=false&q=finance/crownsimpulsivepending.aspx

https://www.nerdwallet.com/blog/average-credit-card-debt-household/