Interesting to read and think about :) I had a fairly middle class-ish upbringing very similar to yours. Comfortable enough to enjoy a few luxuries but still conservative about how money could be better spent elsewhere. My Dad was a slave to his employment and still is. I'm finding I'm falling into the same trap. I have no time to think about success, I'm more like a dog jumping through hoops to get a reward! If I helps, we are paying of our mortgage but since M lost his job I honestly wish we rented. It's scary having to think about what would happen if I was no longer considered good enough at my job!