I started only buying things that I did not have to go into debt to buy and I justify the purchase as a need not a want. I still have lots of stuff, but I don't owe anyone anything now. If you have to save to purchase everything, you will find that when you finally get the money saved up, you probably don't want it anymore. If you have a bunch of savings when we go into a recession, you can get great deals on other peoples impulse buys. I don't get a new car every 3 years. I replace one of the cars every 5 years and then the other 5 years later. If I can stretch it out more, I do. A car is a tool, not a statement of selfworth so buy the minimum tool you need. I shop at discount stores, garage/estate sales, and always look for the lowest price and haggle over the price of used stuff. I set a limit on the number of guns that I can have to those that fit in the safe and the four in the cars and two out for home defense. I use a credit card that gives me cash back and pay it off in full every month. I look at my bank account and credit card regularly to make sure that I am not over extending myself. Dipping into savings mean no buying anything but essentials until the money is put back. I am much happier and there is much less stress in my life with lessened money issues.