I am another who used to scrimp and save and not take vacations. Then, I realized by kids are getting older and so am I. I was burning myself out and stressing over each cent spent. I lived in an apartment with my kids (separated from first husband)) for several years, and hoarded my $. Then I met my Dh, and realized how happy family and life could be. We bought a house (I put a large chunk of my life savings in as down payment) and took a honeymoon to WDW. I didn't even want a big wedding, but DH convinced me. Thank goodness! Now we go to WDW at least once a year. I finally found out what my life was missing. I still save, have a 401K, and an IRA, but I do not deny myself WDW or DS stuff. I just cut out the secondary NY catskill hotel type vacation we used to take in addition to WDW before we bought the house). Life is too short. My DGrandma had dreams of moving to FL from NY in her later years; even had boxes in her attic marked "FL". But, they waited so long, they were too weak to make the move and enjoy it before they passed on. The had about 1m to their name, but never seemed to spend any $ for good meals, home care, etc, even though they needed it. They never left NY, and hell, they hardly ever left the house. Sure, their 3 kids had some inheritance. But wouldn't they rather have been happy and left a few $ less? Lesson learned.