This may just be a rant but the one thing I do not get is as soon as people start making more money they spend more and are in the same position they were making less. I guess it is just that persons habits but my wife and I have 3 years of living money in cash saved up (plus investments etc) and it grows every month and the last idea in our head is how can we spend this money? Granted we treat ourselves and more than once one of us had said to the other "just buy it if you want it we have the money". But the minute we would have to "check" our finances to see if we can afford it or "make the payments" its an automatic no.