This rings true for us (well me anyway). Looking at the household cash flow like a business, it makes perfect sense to spend the money on things you have been wanting to spend it on. You invest in life much as a business would invest in itself (or pay it out in a dividend). I don't generally want to own a business that just sits on cash with no plan for it. I should have the same thoughts when it comes to my life...there is money saved/invested for retirement, and then there is money available for now, or saved for purchases of big-ticket items. However, when it comes time to buy those big ticket items, it is not so easy. I get used to the larger number in the account and the security it seems to bring. Life is about balance.....but that is a much easier statment to say than it is to actually put into action.It's hard to let go of the $$ even when you have earmarked them for specific purposes.