Yes, I get paid well for what I do but no I don't go out and party like it's 1999. Wait...we've passed that year already. Anyhoo, I work too hard taking care of patients to see it all go to waste on extravagant things. My husband and I started following Dave Ramsey's money management philosophy a few years back and it changed the way we look at our finances. If we want something, we make sure it's in our budget. The only debt we have is my student loans (which I'm working OT to get rid of) and the mortgage on our new home. We also research the crap out of things before we actually buy it to make sure we get the best price. I am a super low maintenance person (hubby thanks me for this all the time) so I would rather put my money in my Roth IRA before I go out and buy an expensive purse or shoes. Moral of the story: live as far below your means as you can possibly stand without eating top ramen for dinner every night. Unless you're just into top ramen, then have at it!