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Plus, you aren't really living, you are existing: "We don't have cable, we don't have a land line, we hardly ever eat out, we shop at Aldies whenever we can and our entertainment is camping with the kids."

I don't think that you can conclude they are "not really living" based off of your snippet. I don't have cable. In fact, having cable would encourage me to sit in the house and watch more TV -hardly "living" as I define it. I don't have a landline either. I use my cell phone. Not sure how paying $25/mo to receive the occasional telemarketers call would improve my life; I can send and receive calls on my cell phone just fine. Shopping at a cheaper place is not taking away from living either. I purchase most of my staples at Walmart and buy perishables on sale when I can. -Takes a little effort to flip though sale flyers but not enough that it significantly impacts my QOL. Camping, I wish I got out camping more. If you camping then not camping is "not really living."

I agree with the overall sentiment that you need to enjoy life as you prepare for your goals... just not the conclusion that they are not really living. -That is a personal call they have to make. I've splurged on a few things that increase my QOL and cut back on low return items -like cable and land line phone. Perhaps your need to have cable is my luxury while the luxury of sleeping in a tent in a beautiful park alongside a crystal clear spring-fed river is a sacrifice over your preferred 4 star hotel vacation.

You do have to save your way to wealth... without saving, there is no wealth generation. Saving is function of spending less than you take in. Depending on the situation, cutting spending may not be the most effective way to increase savings... A focus on maximizing income may be more effective.

FoolNBlue (Who will probably splurge when/if cable is available a la carte)
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