Like I've said in the past: the choice is yours.
I don't have cable, cell phone is minimal, don't eat out, don't like vacations, have driven 1 million miles and have only had 3 new cars (bulk of them were used), usually brought my meals to work (we'd sit on the 'square' and check out the babes while we ate) never paid for parking, no flat screen TV's, ad nauseam.
Nothing wrong with buying this stuff but, you have to make choices.
Investing $100 per month over 30 years at a modest 5% gain gives one $84,000, $200 gives $168,000 (think about that when people pay their monthly charges on all the services).
From the first day of work, I saved and raises went into the savings . What I had left is what I lived on: it forced me to make decisions: like painting brass engines so I could afford to buy myself some brass. Fix my own vehicles, as well as home repair. Putting into saving what was left after all the things I 'needed' would not have worked for me.
The house is paid off and that's a lot of extra money that can be spent on stuff.
Instead of watching TV, I'm either working on my trains, or now with summer, I'm in my shop building my airplanes.
The choice is yours!
