I believe in living a nice comfortable life: driving a nice car, living in a big house and going to a reputable university. I have seen my mother live such a frugal life and I really wonder when she's ever going to enjoy the good things in life. I worked fulltime to pay for my college so that she did not have to worry about me. I also plan to take care of her in her old age because of all the sacrifices she has made. I don't want to be 80yrs old with 300 million dollars in the bank but bed ridden. As someone said, just balance the balance sheet and invest wisely. Go back to school. It is another good way to create disposable income.