I'm back... slow reader! Just about everything mentioned already, we've done...
No kids, cost too much. I hate owing money or paying interest, if I couldn't pay cash - I went without. Drive vehicles until the wheels fall off... Have two now that are 2009, decided a long time ago that would be my last vehicle I would need to buy!!! Wife is the same way about cars...
We do spend money to make life easier, and we had a pack to travel twice a year out west. Summer for hiking backpacking and winter to ski. Every trip we would live our life to the fullest. Hawaii, we did it up right with boat/helicopter rides. Spent a grand or so per day.
Got to splurge sometimes, not worth saving everything. We paid for lots of good memories!!!