To be fair I kind of thought I might be missing the point on purpose. I think I see what you're trying to say and just because I'm frugal in some areas doesn't mean I'm actually lacking for anything - or worse still, blowing money on stuff I don't need.

If only I had never spent all that money on booze and cigarettes I'd be....richer - and healthier.    And when I need a new phone I go buy one - not the most expensive phone, but not the cheapest either.

Like many Americans I may whine about how little money I have, but I'm actually very blessed.

I admit I'm bad with money.  I'm penny-wise and pound foolish.  But I really don't lack anything I really need or even want.

If anything will break my piggy bank in the future it will probably be medical care - or maybe housing costs, but I expect housing will pale in comparison to medical as I age.