"...I have enough to pay my bills and buy a few toys and still set aside a little each month..."

Far as we am concerned, that is all you need. We have more than some folks, much less than others. Everything we own came from working, budgeting, pinching pennies, saving in order to pay cash, etc etc etc. In our opinion, one of the biggest problems facing our people today is the desire for instant gratification. No waiting for anything, just rush out and buy it on time, paying monster interest, in the end paying twice the original purchase price. Most of our kids had CD's, DVD's plasma TV's, and more, long before we did (still don't have that plasma). But they are in dept up to their eyeballs...