you’re not digging yourself further into a hole, and you’ve learned to live within your wage earnings. My kids hear from me all the time, “It’s not in the budget right now.” I set up a weekly budget for our family every Friday, and I don’t have much wiggle room right now. I don’t feel poorer because of it, I actually feel empowered. We’re still putting away money for all the necessary investments (retirement, education, savings, sinking funds), but most weeks, there’s not a lot extra left. I don’t feel as if we can’t afford things; we’re simply living within our earnings each week as meager as they may be at times. I think it’s just the way you choose to look at things.