<prompt> Human: I struggle with this.Quick background. I am 32, married for 8 years, two small kids. Wife is an RN, I own two businesses. Both of which make money and I dont foresee any major problems in the future. One is a franchise service company and the other an interactive agency. Both growing and money makes it home.Our financial goals were to buy a new car. Which I just did. 26k put 6k down, so financed about 20k. We have an emergency fund, and both businesses have cash if things get crazy. My wife loves to put stuff on department store credit cards with the intention of saving money. Which works fine until they get out of control and I have to step in. All amounting to around 5k. So that is what we are working towards now. Paying off her cards and then Dave Ramsey-ing the shit to of our car and then mortgage. Buuut, I really like to snowboard. I want my son to learn to ski. It wont be crazy expensive, but I could use that money to work towards out goals.I am looking at a trip for myself, and a family trip. I know that this is money that could be used to payoff credit cards, and pay on principals. I Just have that life is short feeling often. I hate the idea of sacrificing all of the time, and soon enough being older and less physically capable. I dont know. Thanks.  <response>: With two working adults it seems completely feasible that your family could afford a new car, a home, and activities like snowboarding. You could have bought a very nice couple year old car for 15k, and used the other 9k to pay off debt then had 4k left over for snowboarding. Just decide whats best for you. I prefer the more modest home and car, and an abundance of experiences travel, concerts. 