I count and watch my money... every day

I balance 10 checkbooks. I look at a savings account. I pull up the statements of three credit cards that I never use ('cause you never know if you're a victim of fraud).
I run credit karma every day to note if there are any changes. If it goes up, I smile and cheer. If it goes down, I call it nothing but bogus b*llsh*t.
I wish that at 25, I had known what I know now about money. Of course, I also wish that had 25, I had had access to as much regular income as I have today.
So, what is it about cash, credit, and money management?
The same amount comes into the accounts every month. I have some fixed expenses such as the mortgage, the cell phone bill, the life insurance premium, the student loan, and the pre-planned savings allocations for mutual funds.
Then there are the variable expenses. These are the same bills that come in every month or every two months but run up different amounts. I'm talking about the utilities; gas, electric, water. They tend to vary seasonally. Fortunately, I am judicious when it comes to using them. I have a gas stove and water heater. The only things that are constantly running on electricity are the fridge, the clocks, and the cable that goes to the television and the computer.
Habits? I buy seven lottery tickets a week. Same numbers. That's $14. I give to my local church. That's $15 a week. I try not to eat out too much and when I eat in I think I eat pretty well. The weekly fare is mostly vegetarian/pescatarian and on Fridays I have a chicken dinner that usually manages to cover me for 8 or 9 more meals through the week.
Even when I travel, I do cost effectiveness. If I'm in a city that has solid public transportation, I use it. I am certain to always ask about senior discounts.
So where do I fall short? I know nothing about my investments. They are substantial. I mean, we're not talking about the millions, but they are diversified, and they are managed. After seven more years, I don't think I will be adding to them. That means I will have to live on them for the rest of the time that I am alive and kicking. And how long will that be? Ten years? 20? 30?
Oh well... I pray that this will be my biggest problem in life.