Many of the people who were out drinking or coming into my place of employment had safety nets in place that came before their outings and habits (savings, employer benefits, regular salaries, etc.). Those nets didn’t diminish the fun they had when they were there, and when their money ran out, those nets were still in place. It’s an important distinction: on far too many evenings, we spend what we have, whereas non-SIPs would spend what they have left over
