My friend said, 'I've been very intentional about my spending.' I said, 'What changed?' He said, 'I now ask myself a question before every purchase.' I said, 'What question?' He said, 'Would a reasonable person buy this?' I said, 'And then?' He said, 'And then I say, I am a reasonable person. And then I buy it. The question is the checkpoint. The I am a reasonable person is the authorization. The purchase is the execution. It's a three-step process. Very structured.'