A stupid self destructive loser like you has zero to gain from depositing money into a savings account because everyone in your life will abandon you with enough time. Spending is not only smarter than saving, it is way more fun. The idea of regularly depositing any percentage of your income into a savings account makes you want to be unalived. Life is best spent living, stroking and spending; not saving. Sure, you could try to save up money and you could feel the life being slowly sucked out of you or you could spend ALL of your savings on impossibly perfect cleavage like Mine and feel the rush of a lifetime.