Scion burning arrow looks very good for this coming league unless they heavily nerf ignite . It ' s super niche though , scion is in an odd spot currently . <| sep |> First thing to do is to make a real , full budget . I have a slightly unrelated question . For people doing relatively fine financially , is it also important to have a budget ? I tried doing a budget a few times but I figured the time wasted working on the budget and the stress resulting from feeling a bit stingy because now I know all my expenditures wasn ' t worth the $ 100 or so I would save a month . p . s . I ' m the same age group as OP , so no family and just got to pay rent , eat , take the ladyfriend out for a few dinners here and there and save some money .