Our little trick, if i must call it something, is that we have been living off of my salary for a year and a 1/2 now and then my wife will be graduating this June and making about 10k more than me so we will then move to living off of her income and strictly saving mine as if it doesnt even exist. Many folks would "upgrade" their way of living when incomes more than double; however, we will continue to live a modest and comfortable life still going on a vacation and having dencent cars and have a little above average home etc. yet saving a butt load behind the scenes!