I see this all the time among women I know. Just spend spend spend. Even with a lot of debt student loan and credit card. I would feel embarrassed to spend like that.

they will save money for shit like travel and other shrew indulgences, but they typically have no concept of long-term personal financial planning and the value of consistently saving a portion of your income. if they ever try to curtail spending, it's for a short-term goal or out of immediate necessity, and they view this saving behavior as a temporary imposition because MY MONEY.

the reason is obvious. they expect that eventually some dude will wife them up and he will have made the necessary sacrifices and good financial decisions to ensure that she has security. 90% of these women will see no irony in the situation despite the fact that their brainless self-indulgence was carried out under the auspices of MY INDEPENDENCE but their expectation is that eventually a dude will come along and take care of them in a colossal exercise of heternormative traditional patriarchy.