I agree and try to practice it as much as practicable. I actually don't think this is orthogonal, though. Ultimately - at least if you're a full time salary(w

I agree and try to practice it as much as practicable. I actually don't think this is orthogonal, though. Ultimately - at least if you're a full time salary(wo)man - you're getting the money anyway. So step 1 is to not spend it on crap. Step 2 is to spend it on actively positive things.