I have differing views on this ... At the moment I am at a life stage where I have lots of disposable income (after studying for so long it finally paid off!). But I don't count on it being like this for ever ... you never know what will happen ... so i *try* to save some (not very good at it!!) When you have babies and mortgages things get expensive ... so maybe I won't be able to buy what I want all the time in the future .. also i have chosen to spend money on travel in the past when I could have had a house downpayment etc ... it's diferent for everyone ... i hate to see people who can't afford things and suffer cos of it ... so u do a bit where u can i guess ...

money can be a really nasty form of division if ppl let it.