[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.