Whenever our kids get lots of candy, we let them pick out a few pieces, but we put most of it away. They are able to “budget” their candy so they can enjoy it throughout the year. It’s not just about avoiding the stomachache that comes with a night full of candy. It’s about teaching our kids how to plan and be intentional. The same thing applies to your hard-earned money: The only way it can work for you is to get intentional with it.