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<blockquote data-quote="Ms.PacMan" data-source="post: 821834" data-attributes="member: 4656"><p>Hi Upstate! Retiring debt free will go a loooong way to making your retirement dreams come true.</p><p> </p><p>Funny thing is I don't consider myself frugal. I buy what I want when I want it and here's where I'm different - I never want anything. I have no idea why but "stuff" (as George Carlin would say) never enters my mind. I usually only replace things that no longer work. I don't eat out but I do spend about $5,000/yr (or more <img src="/community/styles/default/xenforo/smilies/group2/whistling.gif" class="smilie" loading="lazy" alt=":whistling" title="Whistling :whistling" data-shortname=":whistling" />) on vacations <img src="/community/styles/default/xenforo/smilies/group2/boat.gif" class="smilie" loading="lazy" alt=":boat:" title="Boat :boat:" data-shortname=":boat:" /> </p><p> </p><p>I sometimes hear (and hate) the comment "well, you don't have a mortgage, of course you have money" from others, but I paid the mortgage off - it didn't magically disappear and what I spent on tuition over the years was close to a mortgage payment. I don't even discuss finances with people in everyday life because they are full of excuses as to why they are financial wrecks and somehow diminish and deflate what savers accomplish with their comments.</p></blockquote><p></p>
[QUOTE="Ms.PacMan, post: 821834, member: 4656"] Hi Upstate! Retiring debt free will go a loooong way to making your retirement dreams come true. Funny thing is I don't consider myself frugal. I buy what I want when I want it and here's where I'm different - I never want anything. I have no idea why but "stuff" (as George Carlin would say) never enters my mind. I usually only replace things that no longer work. I don't eat out but I do spend about $5,000/yr (or more :whistling) on vacations :boat: I sometimes hear (and hate) the comment "well, you don't have a mortgage, of course you have money" from others, but I paid the mortgage off - it didn't magically disappear and what I spent on tuition over the years was close to a mortgage payment. I don't even discuss finances with people in everyday life because they are full of excuses as to why they are financial wrecks and somehow diminish and deflate what savers accomplish with their comments. [/QUOTE]
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