Step 4: Add Splurges By the time you’ve reached this step, you’ve gone through your spending and found what you can cut painlessly. You’ve also realized what you can’t live without and added it back. Finally, you’ve looked at your most expensive items (cars, mainly) and either reduced your reliance on them or eliminated them completely. Now let’s have some fun! Add up all the spending you’ve cut. Then take a part of that and allocate it toward splurges. You don’t have to decide what you’re going to spend it on (in fact, it’s better if you don’t so you can make it spontaneous), but this is “fun
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