Save or spend?

Proverbs 21:20 “The wise store up choice food and olive oil, but fools gulp theirs down.” Interesting statistic: Almost 80% of Americans live paycheck to paycheck.  Another: Almost 30% of Americans have zero savings.Another: About 80% of Americans have credit card debt.  Solomon classifies these Americans very uncomplimentary.  With very minor changes in money management these American statistics could easily change.  Foolish thinking can certainly change into wise thinking.  What category are you or I in?