Haha! I remember doing Christmas clubs! I think they still have them at some banks. I'd have to say I don't think I really had an Aha! moment but my husband doesn't spend much money (sometimes he is too cheap, to be honest). After we got married I started not spending as much as I did before. We mostly had only 1 income and when we had children, we had to be more thrifty. Now retired and emptynesters has been a change. This year I think we have probably been even more thrifty because we rarely go anywhere because of the pandemic lockdowns. It has actually made me realize even more than ever how little we actually need.