Well I'm not rich even by congresses standards but my wife and I make good money and we do something fairly unique in the good ol' US of A, we SAVE. We do not buy on credit, we do not splurge on the newest fancy just because we can, we purchase things we need or want but do so in a thrifty manner. Therefore, unlike most of my friends, relatives and neighbors, many who make 2 or 3 times our income, we actually have money to take nice vacations every year. Some prefer immediate gratification. I prefer extra special gratification a little less often.