I had a friend.we knew ourselves around 1990,he repairs generators,he has a wife and 2 kids. He had a bicycle,which he rides to and from work everyday(sundays inclusive) He does'nt eat outside,he takes his breakfast at home and brings his luch(inside a food flask) to his workshop along with other essentials like water. He rarely attend social gatherings(if he does,he usually send his wife to represent him,except of course important family meetings. His two kids attends public schools,he is not tight fisted,he giues when neccessary. He dresses moderately apart from his normal work clothes. This guy had not broken this routine,since i knew him. As i type this now ,the guy has two uptairs,one in his home town the other in the city where he lives. The two children are graduates and working,the wife has a big supermarket. He refuse to buy a car as he still ride the bicycle to work.I think ones lifestyle matters a lot.