The old adage that a fool and his money soon part is so true. I am proof of that. It is so hard to be an adult and put off that wanted item when the money is sitting in savings drawing no interest to speak of. If you can find a place to invest that actually increased you money then it would be easier to save the money. I like to put the money into things that make my life easier or more enjoyable. That Kayak I just bought is a good example. Who really needs a kayak? I do! If your don’t want a thing in your life then by all means, hoard the money. I’m sure your kids will find good use of it when you die. Mo Howard West Virginia Football is an example of an extravagance.