Very good words smfj. I was not lucky enough to have parents that were savy with money. I come from probably lower middle class income family. We got by, but didn’t have anything fancy. Problem with that upbringing is that I felt I wanted so much when I started earning money. I went through a phase in my early teens/twenties where I just HAD to have stuff. Kinda like I had been starved and was trying to compensate. But now I’m in my late forties. Wife and I combined bring in 160K. Material things aren’t as important. I don’t care much what I drive as long as it is reliable. I don’t care what people think. We slammed our mortgage hard and our home is paid for, as are all but one car (one more year!). The words are always true “if I only knew when I was twenty, what I know now”.
“Hind sight is 20/20”.
