There are a lot of numbers floating around that people tell you you have to worry about. But the truth is, if you can stay our of debt and have an emergency fund, then you'll be better off than nearly everyone. Are you a victim of unexpected expenses? Everyone is. It never fails, as soon as you think you're getting ahead with money, something comes up. Life gets in the way. It happens to all of us.
But just what does it mean to be more excited about what you spend at least 8 hours a day doing! If you're not, it may not be your fault. Just as a lack of financial education, which isn't your fault, can lead to poor spending habits, a lack of concern on the part of your employer to get you engaged at work is also not your fault. This can lead to poor morale and poor performance.
Just because you don't have a will won't keep you from dying. Just because you're young, won't keep you from dying, either. We all think we're invincible. If you die suddenly without a will, then some judge who you've never met, will decide where your stuff goes. If you become sick, it makes it that much more difficult to create your will. So, it's best to have one in place; that way all your desires are cared for.
The only way to really find out where you spend your money is to write down everything you spend for three weeks. I say three weeks because it really is true, it takes 21 days to make a habit.