It's a tough call sometimes. If you look 5-30 years down the line and try to prepare for that, you tend to miss out on the present. I don't want to end up like the people who save for something that never comes. There's always the risk that something will happen that will shorten your life or make it impossible to enjoy what you saved up for. I totally realize that we're irresponsible with money. No, we don't need the latest tech gadgets or to go on nice vacations, but those type of things help with our mental health, and I don't regret spending the money on them. For instance, our trip to Vegas was totally superfluous, but we had a great time and were able to spend time with you guys that we wouldn't normally get to spend because of our busy schedules. That never would have happened had we stayed home.

I don't encourage debt and living beyond your means, but I don't think watching every penny is necessarily a good thing either. But I guess we're fortunate in that we know the money to cover our debt is going to come. Tammy has several outstanding invoices, but her clients are notoriously slow to pay them. Many people with debt either have no way to pay it off or have no intention to. That's where it gets really dangerous.