i spend money like its goin out of style! BUT, i do have 15% of my pay check goin into my tsp ( kinda like 401k i guess). i dont go out and buy 20k cars cuz i hate having a car payment and being told that i have to have full coverage. i own a house and have 1 kid and i live life to the fullest now and then when i retire ill live it up some more. maybe ill even buy a new car lol