I cannot afford to waste $.

I have too many hobbies. I'm bad about wanting to do it all. I can't just have a hobby of duck hunting. I have to also pick up the hobby of shotshell reloading, decoy making, etc etc

One day my grandkids will have a lot of cool stuff to sell

As long as I have enough money to cover all of our bills and have an egg for emergencies I see no harm in spending money. I don't plan on dying with millions of dollars to give to my kids. They can work hard and earn theirs the same way I will have earned mine

You talk about a rip off wait until someone steals your tv, guns ,or jewelry ! You have minimum coverage on those unless you get a rider !!

For all those saving money, what are you saving it for?
If I really “want” something that’s on the expensive side that I’d rather the wife not know about I just use my trapping/plantation money. If I don’t have all the money at the time, I just wait until I do.
I haven’t spent 24 years at one job and advance upwards to freeze during the Winter or Sweat during the Summer. My thermostat is set on 69-71. Below 69 and the heat comes on, above 71 and the AC comes on, lol. I guess you could say I save a little money by refusing to eat out for lunches when I’m heading near the house and I know there’s food there. Other than that, living comfortably is the entire reason I work.

There's a big difference to me between wasting money and spending money. I don't waste money so I can spend more on things I want.

Whole life insurance means you pay your whole life. Essentially, you are betting that she will die young. Usually as we age we gain assets and wealth, meaning less need for insurance. Couple that fact with inflation, and wonder how much that policy will really be worth a few decades down the line.

Trapping and trapping supplies,, hunting stuff and a new boat, but I'm 68, no bills, farm paid for, house and cars paid for no one to leave my assets too so I may as well waste it.