My wife and I are far from being a "millionaire"; however we play very smart with regards to spending and saving our money. Some of the things we institute into our lives are a no tolerance for ATM withdrawls from banks that we don't belong to. We also dispute all fees that are charged to our accts from cell phone bills to energy bills. We live on a strict budget and have a bi-momthly cash flow that we follow to the Tee. We tend to buy our summer clothes in the beggining of the fall and our winter clothes in towards the end of spring. We research everything that we buy and tell t every sales man up front that we are in the market for the best price in the area and on the net. With regards to vacations we save a tremoundous amount of money by traveling offseason. We have absolutely no credit card debt, we put money into our IRAs every month along with additional funds into a savings acct. Our vehicles are paid off and we currently Own two homes. We are able to do this with a combined salary of $80,000 a year. We certainly are along way from being millionaires but not living from paycheck to paycheck is truly rewarding. I think we have played it smart.