I recently received an email asking how much I spend per month on the dot com lifestyle. I figure I would use the email as a post on personal spending and money management. It’s great to make the big bucks, but if you don’t know what to do with it, then you’re no better off than the poor guy on the street.

One thing we all need to keep in mind is none of us can work forever. There will come a time when we will have to retire, either by choice or by law. Your lifestyle after retirement will largely be determined by your spending pattern during your working life. There are basically four spending tracks that people will follow. Which one are you on?