[kiba]

I think I would set a budget aside for those sort of things. Accumulating 25 dollars a month to get a vo2 max test isn't as painful as spending 300 dollars of money you don't have. That comes to exactly once a year.

I already spend 300+ dollars a month on health insurance, and I already see how much hospital bills was already costing me(I was hospitalized twice in the same year). I rather spend them on tests which are much cheaper in comparison.

That being said, it's sure a good idea to get one's finance in order, which is what I am working, to facilitate important purchases(such as a foldable bike).