It really doesn't need to be that deep. Or pretentiously moralistic.

How do you know what your values are? I've spent a lot of time thinking about this after listening to this podcast episode: https://rationalreminder.ca/podcast/238

The interviewee gives a good map for figuring out how to figure out your values.

Well, the good news is that overspending also stimulates the economy. For every person that purchases a sandwich or cup of coffee they don't really need, that's also some other persons salary.

But as others have mentioned, reckless / impulse spending can also be a sign of conditions like depression, BPD, ADHD, and the list goes on...

This is the single biggest rub between eastern and western philosophical traditions. Of course we could all sit quietly on a pillow in zazen pose, minds blank, freeing ourselves of want and desire, living happily and peacefully with nothing. But that sounds boring. Give me all of the things. I will only live once, and I want them. If I die still desiring them, it will have been better spent than convincing myself I didn't.