We still enjoy plenty of things in life,  we are just not doing it with the flashy toys that our friends have.

To be honest, I did not know the reason why I even bought a vacant land instead of toys but glad I did it.

Borrow some kids toys like a tricycle & leave it by the front porch.

That's like saying because China makes so many toys, they make better toys than Germans. 

I kind of just picked middle of the road and toying with the idea of turning the garage into a 3rd bedroom. 

You just have to have a property where people can still safely go on vacation and have fun things to do away from crowds.I have a lake house with dock and water toys.

He also has some of his kids shoes, toys in the attic.

I've toyed with the idea of doing something like a spec modular in an up and coming part of town here, but other plans have taken precedence.

Sure, buying a new car or other toy then not being able to pay back the loan would not be a benefit and would also land you in the "stupidity" group.Invest wiseley and utilize the benfits afforded you.David Beard - I agree that it is likely that tax rates will be higher rather than lower upon retirement, and that the Roth is a better option than traditional, I would also say that it is also a gamble that one day the tax code could change and take away the ROTH benefits.

I am looking to move in order to save time and gasoline, and I have been toying with the idea of purchasing a 3-4 bedroom house that is closer to work with the intent of renting my current room out to another friend, then living in the new house while renting out 1-2 rooms out in the new house.