If I were to give you 100$ today to spend, at the end of the day you check your pockets and find 55$ left, would you be happy that you saved 55$ or sad that you spent 45$?.
If you were careful enough, may be, you could have saved 60 or 65.
If you were stingy, may be you could have saved 80$
If you were a little less careful, you could have saved like 40$
So with 55$ what would you feel?