Group 1 - The transition from physical currency to digital money complicates the understanding of daily spending habits [1] - Tracking spending patterns is essential for managing finances and building savings [2] - Financial experts emphasize the importance of recognizing actual financial limits to avoid overspending [3] Group 2 - Impulse buying can be mitigated by implementing a 24-hour rule before making purchases [5] - Reducing dining out can significantly lower monthly food expenses, with many Americans eating out multiple times a week [6][7] - Meal prepping at home can lead to substantial savings over time [7]