More and more Americans are living beyond their means. A recent study showed that 80% of Americans are caught up in the chains of debt. That’s a huge number! To build wealth and achieve financial security, you simply need to spend less than you earn. But so many people do just the opposite! If left unchecked, overspending can become one of the fastest ways for us to end up in a bad financial situation. Sadly, now-a-days it’s becoming easier and easier to fall into this terrible habit, and many of us are guilty of this. So, what drives us to spend too much? Let’s find out. You don’t have a budget You might be overspending…