Many people try to explain why they can't pay themselves first

Excuse #1 I have too many bills to pay.

Excuse #2I really don't see any point in saving my money.

Excuse #3I need those shoes! (Or whatever it is you want.)

Excuse #4I'll wait until I'm making more money.

Excuse #5Saving is for old people, like my parents.

Excuse #6If I invest my money, I won't have money to____.

Excuse #7 This ________ is more important than saving and investing.

Excuse #8 I don't have any money to save.

Excuse #9There's no money left at the end of the month.