There are also many women who are smarter at saving money and are financially responsible. But that's just a general term for women like Madame Deficit Marie Antoinette, in France.Well, we can't stereotype a gender for that. I have seen female who are very much financially responsible. And I know of men who go for overindulgence and have big financial debts.
Financial discipline is a must for anyone irrespective of the gender.
Similarly, a discipline around your lifestyle is needed to stay healthy and happy.