<prompt> Human: Some of my husbands family members are buying brand new houses. They have nice cars, fun toys, bug T.V.s. All these things on credit, theyve told us.. I would be lying if I said it all doesny seem nice. Especially when you want to have everyone over at your place but you feel bad trying to fit everyone into your two bedroom apartment. But I am learning where to find my contentment. Im learning how to work hard and have self control. Im learning to live within our means. Im learning how to live like no one else now, so I can live like no one else later! What would be some encouragement you would have for someone who is struggling with these feelings? Or am I the only one?!  <response>: I love to read these comments. I too grew up with not much. My mom was a huge influence on the importance of saving. She explained why she made choices like cutting my hair instead of paying for haircuts. The explanation was in terms of trade offs and opportunity cost. I learned to do things so I didnt have to pay others. I cut my landline phone and cable long before my friends because I realized they werent really necessary and I could use that money for long term goals instead of short term satisfaction. That money is part of the pool that helped me retire before 50. Ive always lived modestly but never lacked. My friends and family made fun of me for my frugalness. My friends buy new cars while I drive my perfectly fine 15 year old car and quietly put my money in investments. Now they all wonder and amaze at how I could retire so early. Its not hard to figure out. My pride may have taken a few punches, but its in great shape now. Besides, pride is over rated. People are often so concerned with themselves, they rarely think about you and your appearance.The Millionaire Next Door is a good book and helps you realize these things. 