I'm not searching for excuses. I'm a great saver and took several years off to work on apps and startups and a couple of book ideas. I'm very frugal. My last

I'm not searching for excuses. I'm a great saver and took several years off to work on apps and startups and a couple of book ideas. I'm very frugal. My last car lasted 15 years. Perhaps you'd be better off responding to what someone says instead of inventing imaginary motives.