I am by no means rich. DH and I are very much like mentioned previously in this thread, homebodies. We don't eat out, we don't go on expensive vacations, and we too are driving vehicles that don't have payments. We each have our hobbies that we enjoy, and we stay home and do them. And I am thrifty about it. I watch for sales, use coupons, and I make and sell items to help support my hobby. And I wouldn't change a thing, because quilting/sewing makes me happy.