financial ruin: a frenzied fire consumes a leather wallet, izing the dangers of reckless spending

financial ruin reckless spending uncontrolled debt excessive recklessness management budgeting saving future security overspending wallet leather tiltshift closeup dramatic visual metaphor education responsible literacy savings investment money credit card loan interest personal finance lifestyle choices economic hardship consumerism impulse buying budget account retirement planning strategy crisis planner asset liability opportunity cost advisor trap