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Stressed and Worried Senior Woman Calculating Domestic Expenses, Sitting at Dining Table in Front of Open Laptop Computer.

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It also helps you see how and where it’s crucial that you cut back to do just that.

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This is especially important if youre receiving an employer match, he said, because thats free money.

Sometimes getting too granular in cutting back can deprive you of the small things that bring you joy.

Theres nothing wrong with having those things in our life.

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We all work hard, we all need downtime and you need your mental health time.

Think Priorities and Values

Instead, he said, think about your priorities and values.

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