For us, it would be anything we don't buy now! I don't believe in being a spendthrift. If we didn't need 20 bedrooms now, we wouldn't need it then. I find those people who burn through their money fast like that are the first ones who tend to go bankrupt just as fast. They live beyond their means, way beyond. That's another one, people want that new lifestyle so tend to BUY friends. They get so caught up in a new lifestyle & forget their true friends.