I keep telling myself that. Here’s the frustrating thing though - $850 mortgage on 3200sf house, 1 car payment, no boats
no ATVs, toys, etc. Our 5 kids have historically been expensive of course, but 4 of them are out on their own now for 5 years +/-
Make decent money imo, and always felt I’ve been at least above average on that front. On paper, I should be rolling in it. But somehow we manage to find ways to spend it.