I should have read your post more thoroughly, we're in agreement that not all expenditures have equal merit. If you haven't done so already, make sure that you

I should have read your post more thoroughly, we're in agreement that not all expenditures have equal merit. If you haven't done so already, make sure that your investing is tax-advantaged to the best of your abilities. I really put a lot of sweat into managing my Roth IRA and it was scary for a few years because there was no room for error in a portfolio that small but I've hit a few home runs and it's been enormously vindicating. The children of those with low time-preference shall inherit the earth! It better turn out like that. I kinda hide my financial situation from most people IRL - most of my peer group still has student debt and I could buy a house cash - but I accidentally mentioned that I want to celebrate my next hundred thousand with a used Prius and got a heated reaction. Oh well, some day I can just drive away from the haters on nothing but electric power.