I would be a millionaire many times over if I and various partners hadn't spent so much money. It wasn't a conscious choice, but it wasn't totally unconscious e

I would be a millionaire many times over if I and various partners hadn't spent so much money. It wasn't a conscious choice, but it wasn't totally unconscious either. My parents and grandparents saved for a future need that never came at the expense of a present. My grandparents wouldn't spend money on themselves well into their 80s because they would "need it for their old age" — elder care did use up maybe 30% of their savings, but most members of the family would have far rather they had gone on the cruises rather than left the money Time works in your favor too, even as a spendthrift, shares have accumulated, compensation becomes more generous over time, if you keep growing (even at a reduced pace) then 20+ years down the line your skills and experience become a very valuable asset