sorry...typing in between calls..threads probably get a bit off track...
to the point of the OP - yes, have to admire folks that live responsibly...my comment on the big house/mortgage meant to say that I think we are living "responsibly" for where we are right now..the mortgage is big, but the paycheck is covering it...if we were going out to eat/date, retail shopping, fancy furniture, new cars, etc..then no...the math wouldn't work...but for now, as long as the paycheck is flowing and given that I have another option so that we won't go homeless, I call this responsible. not so much the house, albet we are providing bedroom space for other family to help them, and we have land for garden, etc...so our resources against disaster are a consideration in the equation.
Still I recognize that if it's an economic/personal shtf for me and I loose my ability to earn, that much of this resource goes back to the bank...keeps me awake some nights fer sure.
and I'd sure love one of those new comaro convertibles but my old truck will continue to meet my needs.