For starters, discipline is about choices and if you have no choices you can’t have discipline. Secondly, in the rare instance you do have a chance to make a ch

For starters, discipline is about choices and if you have no choices you can’t have discipline. Secondly, in the rare instance you do have a chance to make a choice, you lack both the requisite knowledge and the practical skill. Thirdly, in that rare instance that your physical needs are met, you’re still struggling with a lot of unmet mental needs which either make rational financial discipline difficult or in which the rational choice is to “splurge” to maintain your sanity. Fourth, even if you do make the “correct” choice and say, open a savings account, there’s a fair chance you’ll be raiding that savings account the following month to meet your needs anyway, which not only defeats the purpose but makes financial discipline seem pointless; which it would be.