I like your response PF.

I always followed the Tyler Durden philosophy. He says this about money--"We work jobs we hate to buy (crap) we don't need."

As I get into my mid 50s I look around and see things I bought but did not need even though I am a very disciplined saver. Guns, tools, equipment--the list is long.

But, I am doing something about it. It was hard, but I went through the gun safe recently. Some are getting rehomed for cash. Some will be given away. The shop is next.

Maybe I can retire just a bit earlier. Maybe I can buy something I actually need--or even better that my wife or kids actually need. Regardless, I'll have less crap weighing me down.

From Tyler Durden to the Apostle Paul....

"godliness with contentment is great gain"

Well said PF and BC!

i bought two 10 acre parcels and built two small homes and several cabins.sheds, a shop, and a sauna.

Build as you can afford

I often wonder with no credit history if i can even get a loan?

If rather Drive a newer Vehicle ...where the AC works.

Iam dead along time ....and I sure ain't suffering any more than I have to.

Friend of mine just died....saved and planned his whole life...did without for many

Many years...and now he's in the ground.

Needless to say.....iam going out Broke & Red Faced...the same way

I entered this world

Well, you guys talk about not going in debt 90% of the successful businessman that I know at some point when in debt to their eyeballs and as soon as the financial crisis started, they file for bankruptcy. One of the richest guys in my area has filed bankruptcy three times. He starts a company pays himself a big salary. Then when he gets where he can’t pay his creditors, he the company files bankruptcy. He walks away Scott free ton of construction companies operate like that do a little digging you’ll find out who all went down that path it might surprise you how many so-called millionaire/billionaires have filed bankruptcy at some point in their life.