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!!!