[war1025]

A difference I've noticed between myself and many of my friends is that I view savings as "Money you don't touch", whereas they view it as "Money you haven't spent yet"

That difference in perception leads to me having a constantly growing bank balance, while they have developed a habit of saving then splurging, repeatedly. Which isn't really building wealth, but more buffering for large pre-planned expenses.

[bluGill]

I mostly have your attitude, but it isn't in fact correct. Money saved is to be splurged with latter. However my splurging will be on emergencies or a nice retirement. Anything leftover after the above should be on toys today (though I might need to save for them)

[war1025]

In my case I don't particularly want more toys, which makes my approach easier for me than for others. I personally view it as not needing to work as hard.

I have enough money, and have enough fun, so I can relax a bit rather than pushing myself for more income.