We were frugal most of our lives by necessity. Now it is our time to enjoy. We used to do a ton of free activities when we were raising our kids, etc. While we still enjoy free stuff we also want to do spendier stuff now too that we enjoy. We still look for bargains. We love to cruise and found a way to sign up for last minute cruises and they mark them way down to fill the empty rooms. HOwever, since my DH is going back to work for a 2 year project we will be limited to one vacation/year probably. However, I will do some traveling without him like going to see my kids. To me Mr MM is just the way my friends and I lived for most of our lives because no one liked debt, etc. Now my friends are all traveling, etc too while they can. Somewhere along the line people started to overspend their income and think that they should have every expensive thing in the world. I think advertising makes people believe that everyone lives this way. I think that many on this board will be ahead of my generation for retiring, etc which is great. When we were young we saved and waited until we had the $ to buy things. So if we wanted to remodel some of the house, etc we would save for 1 project and do it and then save for another. We drove old cars, etc.