The 5 Signs You're Actually Doing WELL With Money
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- Опубликовано: 19 июн 2024
- What are some ways you can tell you are on the right track with your finances?
Thanks for watching @ErinTalksMoney I appreciate you!
00:00 Intro
00:47 You Have an Emergency Fund
02:41 You Have A Handle on Debt
04:58 Live Below Your Means
06:19 Follow A Budget
07:53 You Have Money Goals
Some of my favorite books: amzn.to/3KF3tlr
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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.
Looking for more money videos, I post new videos every week, subscribe to my channel: / erintalksmoney
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#pesonalfinance
The moment I no longer stressed about money was one of the most life changing moments for me.
How did you manage that?
@@jeffb.2469 financial freedom
@@BarbellFinancial No mortgage or rent is a recipe for sleeping easy.
@@southbound1969 - staying single helps
@@user-fv6ke8vv2zI married up
Living below your means is key.
Great video as always! One thing I would like to add: “A man is rich in proportion to the number of things which he can afford to let alone.” -Thoreau. So by working toward sorting out our true needs from our wants will lead us toward spending less and saving more.
Love this!
I began investing in the late 1980's. No mortgage, no debt after putting 2 kids in college. Fully retired at 55 and living off my dividend growth stocks. Im waiting 2 more years until I apply for my max SS at 70. Great video.
Grew up in a hispanic family where I saw my parents not waste money yet they did keep us seven kids well dressed, involved in school and sports then later allowed my brother and I to invest in houses for rent with them. Now all of us are in our sixties, doing well and soon all will be retired. Bottom line we did not have Erin to give us financial advice but we all learned from our parents to live within our means
The "5 Signs" of good money management were authentic, but for me, the best sign was when I discovered I had the ability to be spontaneously generous to friends and family without stressing about it. It was an epiphany -- I could reach into my pocket and buy my wife a bouquet of flowers, just because we passed a florist and she sighed when she looked in the display window. Spontaneous and without restraint. She appreciated the flowers; I felt good; no stress. We both knew the money was in the account to pay for it; we both enjoyed the "naughty" feeling of stepping outside our usual budget. That's why we have a budget -- to pay for what we need AND save for things we want, such as being able to make these little gestures. The smile on my wife's face, and the worry-free (even if small) surplus we now enjoy, make riding in the same 12 y/o car totally worthwhile.
Thanks for joining me in the 15 year old vehicle club.
Heck yeah! No car payments since 2009! Booooom!
Mines only 13 but I have something to strive for.
Mine is “only” 19, lol. I’ve had it for almost 10, and there’s really no reason to replace it.
haha! Happy to be in the club! 😊
We used to buy a new car every 2-3 years. I woke up when I started listening to Dave Ramsey.
Debt free and mortgage free
Driving a 2013 and a 2016
Major changes for us led the way to early retirement.
Can I ask how old you guys are or a rough combined income?? Just curious
@brandon8531 when we were buried in debt and had a mortgage, we were in our 40's. We are 52 and 55 now and just retired in December.
We live on $6000/month with $1509/month going to health insurance premiums.
Someone told me that I was supposed to buy a new car every years when I was in my 20s, I was like, "why?" They said because at that point there were likely new features, and it was worth the upgrade. Sounded just as silly to me then as it does these days. Keep driving your older cars - I'm so happy you were able to reach an early retirement!! 👏👏👏
@@ErinTalksMoney When one realizes that the one and only reason for a car is to simply get you from point A to Point B and nothing more than the silliness of buying a new car every year goes away. I'd be curious where that person is financially today that told you that nonsense.
My car's birthday is today and it's finally old enough to drive itself 😆 Great video!
Happy Birthday to your car! 😂
Engagement comment: Responsible content creators should be supported, Erin is one of the good ones.
I purchased my dads 2006 Corolla because I refuse monthly car payment. Instead, my money goes to Roth IRA. I have the oldest car at work, yet it’s able to take me to my destinations and I’m fine with that.
A fully funded Roth and an older car are a great mix! Happy driving!
Howard Wolowitz lost his virginity in a Carolla
15-year old car? Smart girl driving a well-maintained Toyota or Honda I bet. Great video Erin.
Great content - retired 3 weeks ago (@ 60) and have glided into it w/o any concerns - one of my check points is/was the ability to get a new set of tires when needed w/o having to think about it (other than being aware of sales on the brand) - auto is 12 years old and running like a top - even did a "big" upgrade (to me...) and added a Bluetooth receiver ($30) last year, so now I'm stylin'! Kept my last vehicle for 16 years and 320,000 miles, but she was, sadly, just plumb wore out by that point (a couple years on the German autobahn didn't help... But sure was fun!).
Lifestyle is the key - nothing is easy , and it comes down to dealing with sacrifice combined with discipline - it also involves saying - no - to most things coming your way - your best priority is reaching ( zero ) debt ! 😅
Credit card debt scares me the most. I spent more than a decade not being able to pay it off, which was super stressful. I don’t ever want to be in that situation again!
I feel like I basically live paycheck to paycheck, but I have an emergency fund, my only debt is a mortgage, and I save 20% of my income, plus my wife works and she saves basically 100% of that which I don’t really even count.
I'm so glad you got out of credit card debt, but it sounds like that situation gave you great drive! You and your wife sound like you are in a much better place!!! 👏
Congratulations! #winning
Hi Erin. Long time fan of your channel. Finally hit the subscribe button. Just a quick note to share that I think you are making a huge difference for your viewers. I know you worked hard on your channel for many months and it is awesome to see all your hard work paying off. I am in the same space as you and I applaud all the different voices/messengers that RUclips offers viewers. No one person resonates with everyone and it is great to have you part of the "let's help people succeed financially" community. Your videos are making a difference. Keep up the great work! 😎Azul
Way to share the love Azul . . . you are the best!
Thanks for hitting subscribe! I appreciate you 🙏 I think it’s so important to have different voices in this space. I will to head on over and check out your channel this weekend!!!
Erin and Azul, two folks with some common sense and both worth listening to.
Just saw this comment and realized that yes I should also hit the Subscribe button as I’ve watched and appreciated many of Erin’s videos. Only realized later that Azul made the comment and his wisdom and advice have become an almost daily part of my routine as I listen and walk to work in the mornings or walk along the lake in the evenings. Thank-you Azul and Erin and greetings from Switzerland!
I hit most of these markers, so I must be doing well with money... What year is your car? You must not drive very much for your car to last that long....I agree that our goals will change throughout our lifetime. I think it's good to have both short and long term financial goals.
A great video. It shows a different way to view your own financial situation.
I really appreciate that you clearly cite your sources of information.
Erin, you definitely have a gift for explaining finance to folks.
One day you'll wake up and realize you can pay cash for that Audi if you choose to. But I bet you'll find it hard to break those old LBYM habits.
Great video, thanks!
Hey Erin, read an article the other and immediately thought of you. Quote from that article... "When you have joint accounts, if something happens to your spouse, your life is so much easier financially. Everything automatically is yours. You don’t have to walk around with a death certificate and go everywhere to claim everything. They always say joint accounts are the poor man’s estate plan.”
I don't think it's a bad thing to enjoy driving a nice late model vehicle, as long as you can afford it without sacrificing investing, etc. We all have different values, so the most important thing is to enjoy life on your own terms while also consistently investing at least 15% of income for retirement. I invest 40% for retirement and spend the rest on things and experiences I enjoy.
Really been in tunnel vision mode lately focusing on how to increase my yearly income from 42k and am struggling to find out ways to do so but I invest and check most of these boxes and this video kind of helped me take a step back and slow down. I needed this. Thank you ❤
I also wanted an Audi TT. 😂
Now I just want more assets! 😃
Good call!! 😊
I'm new to your channel. I love your content. Nothing flashy. Not bragging, Just sharing with us how we can level up in our finances. thank you!
Welcome to the channel! I'm so happy to have you!! 🙏😊
Erin, another great video. I know it takes effort and work. Content that you can use, great concept...
Thanks so much!! 🙏
Thank you for this, unfortunately we didn't start until later in life so were playing catch-up for a bit. Would love to hear about when all retirement is maxed out and investing in a taxable equity account for retirement. Having trouble with where to put my t-bills when the rates come dow. Thank you!
Been watching you for a long time , I value your opinion greatly.
she is an inspiration
I am totally debt-free everything I have I own outright. I have reserve emergency money in T-bills, and money market funds totaling a year's worth of expenses. Both of my cars are teenagers as well, they get me from point A to B just as well as a new car. Your financial life becomes very easy once you learn how to partition out your money.
Postpone any impulse purchase over $50-100 for 24 hours. Most of the time I forget all about it because I did not really, truly need or even want it that much. Impulse purchases are usually regrettable purchases.
We are debt free with a low interest mortgage as the only debt. My 3 kids are middle schoolers and high school. And they cost a lotttttttt!😮
This is a great and helpful video. Blessed and so happy not to be living paycheck to paycheck.
No budget here because everything is on autopilot. What’s leftover is for spending and still I find it hard to spend!! I just don’t like shopping and would rather have experiences. Although eating out is getting expensive
I would add having an estate plan in place.
Hi Erin, it was funny, as you were talking in your video about how many ads we see everyday, your video was interrupted by two ads that I had to force myself through in order to keep watching your video lol. But watching your videos is totally worth it. Love your channel 😊 and I miss your outtakes 😔
Have an awesome weekend! And I’m looking forward to Monday’s video 😊
I know ads are a hassle - but keep in mind, that's how I get paid!! 😊 So they are necessary evil to me
@@ErinTalksMoney I used to have an ad blocker on my RUclips videos so I would never have to deal with watching ads, but then I realized I was cheating the content creators of whom were putting so much effort into their work so I deleted my ad blocker. It's a pain the the a$$ having to watch ads, but it's a small price to pay to give back to you content creators.
Great video, not sure about the emergency fund idea. Not sure you have them in the states but I have a portion of my property equity accessible as a revolving credit mortgage , which means I can draw back on the mortgage easily in the case of an emergency however typically it is in the positives costing me nothing. That way I can optimise my budget/investments rather than having “cash” in the bank not working for me.
Sad to say I have a 10 tab spreadsheet that I use to track all of my spending, expenses, goals, pension, 401K and so on. My life tracker per say. My only miss on this is that I splurged on a Mercedes last year when rates were low. Not 72 months but 48.. still... its debt.
Great video Erin!
Thanks Nathan!! 🙏
I love this! I’m a worrier, but I recently decided that I need to chill a bit. If I don’t make as much money as I want, God will help me either by making more or being content with what I have. But it’s up to me to trust Him and be calm in the moment!
That's right Abigail. Lay it at HIS feet.
I was definitely a worrier for a very long time....I've definitely gotten better over the years. Can only worry about what you can control, the rest isn't up to us ❤️
Thank you for that comment. This is just what I needed to hear (or read).
I'm so glad I don't care about keeping up with the latest and greatest thing. My Samsung phone, 150. Works great. 2011 Toyota, etc.
We are not living paycheck to paycheck as a single income household right now in CA. No student loans, no credit card debt (we always pay it off on time). We do have two mortgages (one house is a rental) and one car loan (we choose not to pay it off). I think that our net worth is amazing for a single income household and that we make good and not stupid decisions but sometimes, I don't feel like we are doing good. Maybe because of the people that surround us. We do have an emergency fund and my husband contributes to his retirement accounts but things happen in life. You never know.
Audi TT drop tops are sweet rides. I settled for a Miata and a trunk full of cash. :-)
I saw one going down the road yesterday, and I still thought, "that's cute" 😊
I had a big goal a couple of years ago: to buy a used 2017 Prius Prime, with leather seats (well leather looking), riding on 17" all season radials with custom fitting hub caps, and I only wanted it in a "simmering gray" color with white pin striping. I made my dream come true...😂
I love that!! 😂
You must own a Toyota. My daily driver is a 2006 RAV4 with 200,000 miles and still going strong.
Best content on RUclips
The one point that hit home for me was "living beyond my means". I regret buying a new car when I totally couldn't afford it. The way I look at new cars now compared to how I look at them 40 years ago is completely different. When I was 20 "I had to have a new car" and could justify it easily in my mind. My view on new cars now are just like Erin's. If it's safe and gets me to where I need to go its all good to me. My truck is 15 years old. My car is 8 years old and my wife's car is 14 years old. I haven't had a car loan in 30 years - paid cash for all of them. Smartest move I've ever made. Having an emergency fund is also very key. It took the stress of "where are we going to get the funds to do that" right out of the picture.
I think not having all these extra debt payments - cars especially because they are SO DARN EXPENSIVE - is a sure fire way to being able to save and build wealth!!
I am one of those 'paycheck-to-paycheck but maxing out every investment vehicle that I can get my hands on' types. 😅
But I do have emergency funds set aside.
I think cognitively deciding what is important to you - what you want to spend money on. Ultimately, part of financial freedom is saving and allocating money to things you enjoy, and/or are important to you. Make an effort to understand that - decide what is valuable to you - is it a fancy dinner, a nice vacation, treating friends or family? Assign a budget to those things, the same way you do to saving for retirement goals - so you can feel good about using your money. On the flip side - things that are not important to you, things you don't value - look at those costs, and look at ways to minimize or eliminate them as much as possible.
I have all the five signs, so I am doing well. My salary was just average or even below average.
I have multiple automatic savings accounts. One in particular I like puts $200 per paycheck into my account for taxes, insurance, & vehicle registration costs. Then when those larger expenses come along I can pay for all or a substantial amount of the cost.
great plan!
Never bought the BMW I wanted, happy with Subaru Outback but it's a 3.6, 6 cyl
Hi Erin… I’m new to your channel and I’ve been impressed by the few videos I’ve watched. It’s obvious you put a lot of time and effort into your content. (As I’m typing this, I’m realizing this sounds bot-ish, but I’m a real person. Lol.) My truck just turned 18 years old and is still going strong. I’m looking forward to watching more videos.
Thank you so much! Welcome to the channel!! (PS those bots are the worst) 😊
Erin needs to be protected at all cost she is a national treasure!!As a divorced american male its about damn impossible to find a 40 something finiancally sound women.I would marry this chick in about 4 seconds.
Hahaha 🤣- this is the coolest comment
Not even close to thinking about getting a new truck. I put 3000 miles a year on my old one and just Crossed 75k miles. It's starting to get broken in only because gas mileage has gone up from 17 to 19. The new ones are small engines with turbo chargers. Too much maintenance.
Smart to not buy an Audi, massive money pits. But a well sorted, someone paid for all the proper maintenance (lol) first gen TT for cheap is on my list as a fun weekend car to mess around.
Well I am super glad I didn't buy a money pit!
Thumbs UP
I recently did my Will and realized I had about $100,000 to $150,000 in assets or potential assets. However, 10 years ago I had little or nothing for assets when I started working for my current school district. I'm now 55 and looking at retirement target dates by 62, 67, or 70.
Tremendous video. I must admit that I was a little reluctant to “click on” this video. However, now I am glad that that I did.
Everyone needs a “yardstick” to measure themselves in regards to their Personal Finances.
I am so humbled that I can “check off” all of the boxes that you outlined. This is not to imply that I have arrived at my destination, but that I am headed in the right direction, and that I am enjoying the journey to reach financial self reliance.
Thank you for posting this video.
Thanks Mark! It's very hard to title videos (and create thumbnails) that get people to want to click! I'm so happy you enjoyed the content, and it sounds like you are on a great track financially! 👏
I would love to see a video on how to deal with the fear of spending money. Maybe not fear but I’m just not a spender!! Yet, I’m in a very good place financially
Great suggestion!! (Because I'm definitely in that boat too 😂 I just am not a spender!)
Please listen and write your goals down it WORKS I have started to do that and it has been going great we are in such a better place now.
Quicken for windows does a great job of tracking expenses and planning... (Quicken windows version is much better than the mac version)
Thanks for sharing!! 👏
I'm far from a perfect person - very far. But one point in my favor is I have a steel will when it comes to ignoring advertising. I don't care to have the latest stuff, most new tech is just life complicating junk, name brand clothes are a rip off, I love my paid for in cash 9 year old and still very reliable car, etc.. Other than a modest food and household necessities/utilities budget I don't think I've spent any money for months. And that allows me to spend those saved dollars on the things that I really want when they come along. I won't spend a dollar on a candy bar but I'll spend thousands on something I really want without a bit of worry or guilt (not very often of course, but now and then).
The difference between just existing and getting ahead is making sacrifices.I noticed a lot of people I've talked to,or tried to give a couple pointers are not willing to take the short term pain route.BANKS love these kinds of customers.Along with living within your means,stay far away from trend setters,they pay large,always.Just my opinion.
I watched an interview with a woman who was heavily in debt -student loans, car, mortgage, credit card, everything. It all totaled over $300,000. She was saying how she never thought she would get out of debt. Then she started talking about her habits, she said, "when it gets to the weekend, why should I have to think about staying in to save money, I want to go out and enjoy what my city has to offer. Staying in ins't fair to myself." I literally screamed at the screen.
Pain might not be short term at all. I used to live with super poor people for years and after some time they said F*CK IT and starting ignoring money issues.
I do have all 5 signs of doing well, and I am fortunate in the fact that I owe nobody anything, and I have nothing. I have put most of my tangible assets (house, cars, cash) into an irrevocable trust for asset protection and my grandkids.
I am retired and believe I have enough guaranteed income to last the next 20 years of rising inflation. As much as we all would like to say that we are doing fine it takes just one stock market crash, world war, health scare, illness, car accident, liability lawsuit, etc. to move us back to the middle of the line. Here is hoping, but you can’t plan for a lot of the unforeseen things that can happen to your finances.
I have a emergency fund. I buy new truck every 10-12 years, I am debt free. I save more than I spend. I have no money goals :( I don’t worry about Money as they print more every day I just have to work to get more. TC & GB
Being debt free is the best!! Congrats!!!
3:23 "The car payment is the mantra for the middleclass" I don't know who originally said that they are words to live by.
Never heard that before! I love having no car payment!
I don’t believe that the only choices are working full time or retirement. There’s a third choice. Using retirement as an opportunity to reinvent yourself and work part time at something you love, that probably won’t pay the bills, but could be a lucrative side hustle that will make your retirement savings go a lot further while you are enjoying yourself in the meantime. That’s my goal for next year.
Honestly the biggest financial change anyone can make is the decision to be better with money! The rest is just mechanics
I'm living paycheck to paycheck because I didn't invest anything in my 20's and now I'm trying to catchup in my 30's to aggressively invest.
You got this!! 🙌
Erin, you are really good at this. Question, average salary is 70K. Is this net or gross, or before or after taxes withheld?
gross 😊
This is household income not single earner.
Chapters in video would be helpful
If your degree is in Humanities and you have a student loan, it was not a wise move.
Seriously, you have to look at the earning potential of the degree!
I think you should add charitable giving to your list.
great addition!
@@ErinTalksMoney There is just a kind of fiscal maturity that comes with charitable giving - a perspective that money is a tool that is used to benefit, rather than something that owns your thoughts and actions.
Life before death. Strength before weakness. Journey before destination. Savings before yolo.
You'd look great in that TT! But you did the smart and annoying thing to your former coworkers...lol. You kept driving your payment free car...😊
Great video as always
To this day I LOVE my car. I still park far away from everyone, no one is allowed to eat in it - I still take care of her as if she were brand new!
@@ErinTalksMoney Awesome 👍. Someday maybe you can get it to appreciate in value! LOL
- Emergency Fund (well-stocked) - check
- No student loans - check
- Car (12 yrs old), truck (28 yrs old); no payments in years - check
- No credit card debt (credit cards used for convenience, and never credit) - check
- Live below your means - check
- Money goals (pay off a home equity loan) - check
👏👏👏👏
Them older car will get to point they cost alot to repair, unless you can do it yourself
I financed my car 1.99% 72 months. I don't feel like it was a bad deal. I sunk my money in index funds instead. I did balance my finances and can comfortably pay my monthly bills. I was driving a 09 mini before this.
With that low of an interest rate, it's like getting a loan interest free.
I'm glad to heard that you are investing and that those bills are in check! 👏
Debt snowball for student loans. It really does work.
Whatever gets people to pay off their debts as quickly as possible, I am all for! 🙌
@@ErinTalksMoney Yes! 100%
I had a dream I ran into Erin in a crowded hallway. I said "I love watching all your videos you do a great job." and she said "oh that's awesome you watch. How would I know who you are on there?" I said "I don't have any content myself, just quietly watch." So anyway... if I ever run into Erin, I'm the person who watches way too much you tube and apparently now has youtubers show up in their dreams in random places. Like leaving the kings castle in a huge hallway after he was crowned.
haha!! That's the best!! Well if you ever see in a crowded hallway, say HI! and I will definitely thank you for watching 😊🙏
Not having to set an alarm ⏰ clock in the morning is the ultimate luxury 😅 $
a 6 year car loan. 6 years of debt just to get your somewhere. I can't even imagine that
Home owners should strive for more than $1,000 in an emergency fund, especially if the house is older. I think $3,000 to $5,000 would be a better goal in today's economy. The emergency fund goal of $1k is a bit dated.
Erin, you dodged a bullet by not buying an Audi. As a technician I can state that as fact.
Really?!?! To this day, I see the SUV Audi's driving around and I think...whoa, pretty!! Are they too much maintenance?? (Keep in mind I have ZERO intention of buying a new car any time soon!)
@@ErinTalksMoney They are super complicated and when it comes to replacing parts hang on to your wallet.
Cool! Looks like I'm doing well with money! Dave Ramsey's EveryDollar budgeting app has been a tremendous help in keeping a balanced budget. Having all of my transactions automatically imported is a tremendous time saver.
Audi q4 sports back seems like a solid bargain for a middle class car.
I've been driving a tesla EV since 2015 and I still love it. Saves you a lot of gas money.
I've seen the Audi Q4 - it's a very pretty car. But when I think about a potential car payment, 2008 Jeep looks even prettier 😍
Money for gas saved as your cost for electricity increases. What's the difference? At that point all you're doing is redirecting dollars spent from one medium to dollars spent to another medium.
@Michael B. but still, I have put about 90000 km so far and there was nothing major in terms of maintenance costs.
Of course, a lot depends how much power costs in your area.
I was a pretty good athlete in my younger years and the primary reason I had success was that I tried to compete against people that were better than I was which ultimately made me better . I use this same method in finances by not comparing where I am financially with those that haven’t reached my level yet but to those that I aspire to reach their level . Even if you fail you will find that you have improved greatly ..
Thankfully, there are less expensive cars and homes.
So 85% of people have loans for their vehicles? That stat astonished me! I hope those people know what they're doing & have a plan to never do that again!
I don't know. I took out a loan for my car and then I took on a 2nd job to pay it off as quickly as possible.
That's a mind blowing stat for sure!
I don't understand the whole student loan thing. I worked full time after graduating high school and paid my own college while also going to college full time. That mentality got me through life and I retired at 52.
Sure my parents rose me with tough love. They prepared me quite well to succeed in life. No sympathy here for those that tip toe through college and end up with a pile of debt afterwards. And yeah, I got a decent job after college not because of the college I went to but because of the work ethic I portrayed in the interview. Yes, I got the job over others who didn't work their way through college. Yeah, in that job after college I out performed all the others because I proved I would get the job done when others sat idly by watching me perform. I consistently got raises and promotions. I did not feel society owed me anything. I damn sure was willing to work and sacrifice to succeed. Happily retired for almost 7 years now.
I'm 64 and unlike you I understand the "whole student loan thing". School is 4 to 10 times more expensive 30 years later than it was when you and I went to college. What's so hard to understand? There no paying that off on a part time job. Stop feeling so superior.We were just lucky it was so much cheaper then.
35% of Americans carry credit card debt?
I think it’s much much higher than that.
Most people won't attain the goal of financial freedom without a delayed gratification mindset.
"delayed gratification" that's the key to whether one is wealth or just "playing" rich.
100%
this is why you no longer relay on paycheck you have money coming from real estate stocks RUclips and more and more
Erin, will you marry me? 😉
All kidding aside, great video as usual. Be a but careful though with the "no debt other than a mortgage". When I bought my car in 2019 the manufacturer was offering 0% for 72 months. I figured if they wanted to let me use their money for free I could put that money to work for me.
get in line.. she is marrying me first! she is HOT, no?
haha, 😂, taken 💍
But you do make a great point, those 0% financing situations are a different story, why not borrow someone else's funds for the entire term of the 0%?!?! (I just don't think that's what most people are doing 😂)
This woman is total wifey material. She is exceptionally smart and beautiful
We didn't seriously think about retirement until our mortgage was paid and we were *completely* debt free.
Congrats on being debt free! That's HUGE!!! 👏👏👏
What is the actual definition of "living paycheck to paycheck"?
It means you are f.... if you won't receive money/salary next month.
I am self imposed poor so I can fund my investments. Living paycheck to paycheck pays for my future.
I paid myself first, then lived off the rest.
I buy a nice car new, then drive it for 20 years. No regrets.
That's my goal - I'm trying to hit 20!!