note this isnt incompatible with "upgrading" your life. it's all about setting a sensible financial framework and living within that framework. if that framework permits private jets and lambos, go for it. but if it doesnt, dont. bankruptcy and financial ruin happen when you spend money blindly. but if you work within the framework you set, it shouldnt be hard. because i strive to live within my existing framework, i havent upgraded anything. my close friends and family say im being cheap, but i think im just being smart with my money.

you obviously got a bit more, so framework can be a bit larger. Good luck :-)