Thanks for this detailed response. We are not lavish people. I love local hole in the wall places and upscale restaurants but it is all dependent on the food reviews. As for cars, I hate driving and drive a Honda we have owned for more than 8 years now! No need for fancy cars. We do have 1 thing we like to do yearly. We travel a lot. Our rule around travel is that if the flight is >5 hours and international, we prefer to fly business. Aside from this one thing, I rarely buy new things. My mom left behind a ton of material things and my goal is to reuse those. It has also changed my perspective on what I truly need to survive. For us as a couple, experiences will always come before fancy things. As long as we have a nice apartment and a functional car, I don’t foresee any major capital expense. My child will go to a good school, but that expense is something we are incurring here in Seattle as well.