Just my opinion

My dad was debt free and was extremely tight with his money. We always had nice things but he never purchased new vehicles. Never had cable television and didn't get our first VCR until they had been out for about 10 years. He was going to retire at 52 years old (30 years on the job) and had all sorts of big plans. Found out he had cancer a month after his 49th birthday and died 3 months after his 50th. Never got to do anything with that money he saved and didn't get to partake in any of his "big plans" with his family. My opinion is save as much as you can but also enjoy life. We just ordered a brand new 2018 Class A. I swore I would never purchase a new one but we found a model that is perfect for us. I financed about 70 percent of the motor home. Yes, I could have paid cash but it would have really hurt our savings and I would rather have the liquid money in the bank for a rainy day. I also put in 20 percent of my salary into a 401k so I don't mind taking on the debt (we paid off our mortgage 5 years ago). You have to figure out the happy medium between spending and saving. My 2 cents....