Very good read @kristinaljfom!
IMO, People often find themselves being bankrupted most likely because of passive purchasing. Buying things that one finds it cool, but suddenly regrets it or not use it for its full purpose a few days later. Thankfully, that can be corrected.
Someone who is a passive buyer might find value on my post, it is about having a happier life while having less; but having more at the same time. You can read it here: https://steemit.com/life/@migoermita/less-is-more-minimalism-and-why-it-s-important
Thanks and stay positive! 👍