They have never come close to the edge of having to spend more than they have. Their friends and colleagues of their age all seem to be similarly situated. Money is first for saving, and then for spending. Or, you might put it a different way. Money is not for spending now.
Money is for spending on a rainy day.
If that rainy day doesn't come in your life, it might come in your children's or their children's. Money is protection, the shield and the buckler for your family and for you. You can give a rating to this scheme overall. Click 0-10 below and press the Submit button. DoBe.org or click on the image below.