That's good that you have that surplus. I think that's the real reason you can be as relaxed as you are about planning your finances. I have a much smaller sur

That's good that you have that surplus. I think that's the real reason you can be as relaxed as you are about planning your finances. I have a much smaller surplus, and of course you're welcome to argue that I should be behaving differently in order to increase it. But really, spending an hour a week doing my finances (I use YNAB) does not affect my earning potential in any significant way. I don't think it makes any sense to argue that I should stop doing it, and spend that time trying to get a better job. I can do both! That time spent gives me the reassurance I need that I can carry on paying my mortgage, feeding and clothing my family and taking them on holiday, and also that I can very probably meet any unexpected expenses that arise. This is a great feeling, well worth an hour a week of my time.