Down deep, you have the answers.
I can't tell you whether to spend your money on lattes or give it to charity. Each one of us has our own path.

But you need to love your why.

Why are you spending your money the way you do?
Why do you live where you do?
Why do you pay what you pay for haircuts? Or pizza? Or birthday gifts?

It doesn't matter what A N Y O N E else thinks.

Ask yourself why.
Happiness comes when you feel in integrity with your answer.