[dw1]

Following the example set by my dad, we have always lived considerably below what our income could get us. For a long time now, we've had 0 debt (no credit car debt, no mortgage, no student loans, etc.) despite our kids going to expensive colleges, and a quite substantial retirement savings. We have a modest house and it is certainly not the most expensive neighborhood in the area.

We currently have 2013 cars (except for my 911, which is an '87) and only pay cash for new (or CPO) ones when our cars wear out.

We shop for the best deals and my wife is a coupon/rebate expert, and I fix things rather than buying new stuff whenever possible. We don't take expensive vacations - in fact, we don't travel much. We also don't have HBO, Disney, or any of the other any premium tv channels/services.