You know if you have 2.5 million dollars you can make 50k a month for the rest of your life. And yet we are constantly tricked into spending loads of money on constant useless crap so we can never reach this point. What is the last renovation you did to your house? Did you REALLY need that marble countertop, or gas fireplace? You bought a fancy car. Are you a racer? Why did you buy a 60,000 car when you could have bought one for 10k that would last as long and serve its purpose just as good? You spent 500,000 on a house when a neighbourhood down the same house was only 300k for a slight less amount of floor space. Do you need that damned 50 cubic feet? Do I need freaking mcdonalds and tim hortons and all this stupid crap? You spend up to $500 less per month if you never eat out or do fast food. And you'll say: I want to have fun. Fair. It is, fair. We only live so long. I say assess what you need and what you don't. You don't need to go out to dinner/the bar/blah every week. Thats just my opinion. I make crappy money now though. I hope when I make bank I don't lose my way and start spending like all the dorks who make 300k and spend 299k every year.