I agree that a lot of financial advice is YMMV. If someone doesn't drink coffee or they don't use cable, it's hard to cut back on those items.

Passing on nail polish - well, if that makes you happy then that's what you should do. I agree, don't clutter life with things that won't bring you pleasure.
On the other hand, as I remind my DH a lot, "If not now, when?" As long as you're finding people, places, things, and events that contribute to a fulfilled life, great. When my time comes I want to be able to say the same thing my father did, "I had a great life." I thought he was a remarkable man but he wasn't rich and powerful or anything. He worked hard, he played hard, and he was good to other people. He wasn't afraid to take risks after weighing matters carefully and sometimes he was known to be impulsive. While a couple of impulses didn't end so well, many had wonderful, unexpected outcomes.
On the other hand, DH is a workaholic with huge stress issues. When I suggest a day of rest on the weekend he looks at me like I've lost my everloving mind. "But, there's so much to be done." I think that might be his epitaph.

I'm not pushing you about anything, cara, and I'm sure no one else is either. Just be happy. And I'll try to remember to take a pic when I do my crazy nails so you can "admire" (I use the term loosely) them.
