Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.
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I jive with the people that don't have a model of spending money. I certainly don't. If my wife and I earned significantly less we'd be screwed. Luckily our money out is far less than our money in. We have a financial advisor that nags us when our savings account starts getting to ridiculous levels. I have an economics degree. I intellectually know that we shouldn't have boatloads of money in the savings account. I just hate figuring out what to do with it.
We take two or three vacations a year. Sometimes pay for home renovations. Eat out once or twice a week. Own a modest sized home. Most of my entertainment is dirt cheap though. I like reading, I like video games, I like discussions on TheMotte. I'd find it hard to legitimately spend more than $300 a month on these activities. Something like $30 a month is more common (I even sorta pay for TheMotte through a patreon donation).
I do sometimes wonder how much more money we'd have if we were actually careful and diligent about it. But then I think of the effort involved and sort of shudder.
I remember a few years back having friends that make similar amounts of money to me and my wife and they were complaining about money issues. I was mostly left scratching my head. How did you spend that much money? I knew their rent, I knew they didn't own a car, I knew we ate out a similar amount, I knew they also took two to three vacations a year, sometimes less. I thought they might have well hidden gambling addictions. Or were sending a bunch of money to their families.
Set up automated contributions into the s&p 500. This is the greatest return on 10 minutes of effort you will ever have in your life.
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