'never peg the needle on your spending meter'

I've met the phrase in this article:

Never peg the needle on your spending meter.

After some research I found 'What is the meaning of the phrase “moving the needle”?' here. Now the original phrase I encountered is somewhat clear.

Could you help say the same thing in another way so that I can understand the phrase as a whole? May be some equivalent saying?

Never peg the needle on your spending meter.

This phrase alludes to analog measuring devices, like speedometers, where pegging the needle means performing in excess of your ability to measure - implying performance (or values) which meet (or exceed) what was previously believed (or intended) to be the maximum. This is often used metaphorically; in this case, don't spend everything that you have.

For reference:

Top speed pegs the needle at 200 mph; test away on your private runway, seems to be the challenge.

and

Qantas' inflight WiFi trials peg the needle at 12Mbps per device

and

Chinese Air Pollution Pegs-the-Needle as Suffocating Citizens Left Gasping for Air