Cost of living !

[Jonas]

I've been debt free for 13 years now. Pay off the credit card every month, take a cruise and a road trip every year, and bank my wife's entire retirement income. I don't buy anything that I can't write a check for. But for many years we lived well below our incomes, smaller house, older cars, limited vacations. It's tough to be poor when you're young, but hell to be poor when you're old!