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Good thoughts here.
We will be able to afford stuff, but will live as much as possible as Omatako indicates. Why? Well, my parents are both dead, and they left me money they should've spent on amusing themselves, not tacking a couple of years onto my trip (it's not a big amount, but it was certainly a couple of cruises or five round-trips to Europe, for instance). So money saved, or more to the point, not spent, gives the option to extend cruising or to have little extras outside of the budget.
Money's purpose isn't to buy you things, it's to buy you time away from making money...
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