IMO if you aren't world weary, cynical and misanthropic by 40 you are lying to yourself or blissfully ignorant. I've been there buddy. Things have turned arou

IMO if you aren't world weary, cynical and misanthropic by 40 you are lying to yourself or blissfully ignorant. I've been there buddy. Things have turned around for me, but I'm living life as if the industry will crash or computers will learn to program themselves. Moved to NV to avoid taxes, only buy what is on sale at Costco, use pay for-what-you-use services (Ting for phone and Metromile for insurance), use Libby App for digital ebooks and audiobooks. I could go on. It's really quite fun to live a frugal lifestyle.