Besides what other guys mentioned, I think what you really lack is a good focus on a long-term objective. I decided to experiment what I consider a decent salar

Besides what other guys mentioned, I think what you really lack is a good focus on a long-term objective. I decided to experiment what I consider a decent salary to live off monthly, then I've set my goal to retire... before retirement. To do this I considered how much I would generate from the dividend in stocks and other assets... there's a lot of reading and planning. This is one suggestion what you could do, plus you'll put your money to work for you, not just you for it.