Money is energy! Money is meant to be circulated. You give, you get it back and it keeps coming, in a circle.
How much do you give? If you give nothing, then it is of little wonder you may not get any money back as you are holding on to it so tightly and not letting it circulate as it should be!
You only really need enough to do all the things you want in life.
You can have more, but why? Why save to spend later? Why not spend it now?
I am not urging you to spend money thoughtlessly while accumulating debts on the side.
You have to be comfortable and have a plan to know you can pay it back and that it won't affect you. If it affects you, it won't work, as your mindset will bring you down.
This is why mindset is everything.