It's that time of the year to sit down with your financial advisor and go over your spending habits. I have all of your files and I have looked over everything very thoroughly, and I can tell, you have not been spending properly nor have you been putting your money in the appropriate places. That's ok though. that's why you're sitting before me begging for guidance! I am a professional at handling the money of men, after all. So, from what I have assessed, there needs to be more spending this year. NOT on yourself, but I have a few better causes in mind. And don't worry, you will find that investing your money in my advised causes will provide you somewhat of a large personal gain!