[jackgolding]

This is what I find is most annoying - the traditional "more money more problems." I actually had the most savings I've ever had in my life while I was a student on $15k a year Government benefits.

Every payrise I've gotten has just gone into more mundane crap - more booze, more expensive food, more spontaneous frivolous holidays...

[CryoLogic]

That's entirely a discipline and planning problem.

I doubled my income, downgraded my lifestyle and now I am sitting on a 49.5% savings rate on my take home pay. No car, I budget to eat out twice per month and even the food I eat I prepare myself.

My girlfriend also doubled her income, but has since doubled her expenses and not saved an extra dime. What has she spent it on? Clothing, jewelry, expensive organic food, new pet, etc.

Consider even getting a room mate if you want to save more.

[mancerayder]

You've only got one life, unless you have some strong beliefs, and if you calculate the weeks remaining assuming a lifespan of around 80... You can understand the reasoning of your girlfriend. Taking a step back, people are different. I'd rather slave away in a 9 to 5 than not be able to do things I enjoy, like taking advantage of good restaurants I can walk to.