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hmm... I'm fairly frugal. No debt, pay credit card off each month, etc. Not too many toys - but enough to keep me happy :-)

I don't have any 'nagging worry' about being able to pay MOST bills that pop up. Certainly any 'bill' under 10k does not worry me. This greatly reduces my stress levels.

I've acquaintances (whizzers) who live with incessant, persistent calls from bill collectors; or who, although a montly income between 60k and 100k, apparently live from paycheck to paycheck -and any LITTLE expense (less than 500!!) causes them stress. They do have the 'toys'.

Personally, I think I'm the winner.

I think that if I had 5M while 90% of my fellow americans had 500k - I would still be MUCH better off.
jmnsho :-)
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