I certainly wouldn't... The pain of discipline weighs ounces, while the pain of regret weighs tons. While I've increased my income and decreased my outlay, I'm living more frugally. I've grown to enjoy the simple things in life. Having REAL financial goals and a REAL financial plan in WRITING is the key. Without tracking your money today, investing enough money every month, and projecting your required income at your desired retirement age, you are just a boat in the lake with no sail.
Philosopher out...
