Having to bet your tongue constantly when people think you drive the car you drive because you cannot afford a new Stupid Useless Vehicle like their new Escalade they are so proudly showing you.
My tongue gets bit often being of a mustachian mind set!
I drive an eleven year old mini-van with a few rust stains here and there. My S-I-L, who drives a brand-new F-150 and has a $750+/month car payment, was making fun of my van. We were at her house and I'm playing on the floor w/my baby nephew. She points out the window to my van, and asks when I'm going to replace.
I say, "Not anytime soon. That's my $60,000 van!"
She says: "Wha?"
I said, "Yeah, few years back, me and DH went car shopping for a new vehicle. Found a sweet $35,000 Chrysler Town and Country fully loaded - a real Deal!"
Me: "And, after sleeping on it, I say to DH that I think we should keep driving the perfectly good (paid off) mini-van we already own. He agrees and instead of purchasing a new clown car, we start investing the would-be $500/month car payment into stocks and mutual funds."
Mind you, we started investing this 'would-be' car payment in Sept. 2007 (just before the big crash) but continued faithfully investing that $500/month through Sept. 2013.
Today, as you well guessed, that 'car fund' is now worth $60,000+.
Back to my S-I-L. I sigh, glance out the window and say to her, "I guess if I had replaced 'Ole Rusty with that sweet Chrysler back in 2007, then today I'd have....well, I'd have a 7 year old mini-van that's worth about $9000."
"Instead, I have a perfectly sound vehicle with a few rust stains here and there and an investment account I can draw from anytime I want to purchase a reliable 'new' used vehicle down the road."
She was pretty dumbfounded by the math.