When work stress hits, can guilty pleasures be far behind? Sometimes we write off our costly designer coffee as a ‘harmless’ reward for our hard work . . . or load up our online shopping cart for a fleeting moment of joy. But is this — and other indulgences — the way to a stable future?

While we could all use an occasional pick-me-upper, the past year’s crises have underscored the role of wise spending in achieving financial security. There is now a notable increase in the number of Filipinos — young adults particularly — who have ceased to be excessive spenders and are cleverly eyeing more meaningful purchases and investments.

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