IMO you will be happier when you are older. I always think that way. Everytime I see someone driving a car I want it puts me in my "want" mode. I really have to talk myself out of it. Or everytime I see that newest piece of electronics etc. It is all worth it though when something bigger comes up like you need a new roof, or septic tank lines need redone, which both happened to me last year, and you can just pay cash for it. You have less worries. I do condone keeping yourself happy and if you really, really want something then get it if it wont break you.