Just my opinion

DallasSteve wrote:
...Third, you apparently will never know how great it is to have financial security. Let me give you an example. Because I deferred a lot of expenditures when I was younger (I'm hoping you know what expenditure means) I now have reached a point where I will probably run out of time before I run out of money. That's a wonderful feeling. When I was looking for my current apartment I decided that I wanted one with an attached garage, something I wouldn't have done in the past to save for my future. This one happened to be brand new to boot. I decided, it's time to enjoy my money. I've been saving all my life for when I get old. There's no point in saving for when I get old any more. I'm 60. I'm there! This is what I have been saving for. It's great to be at a point where whatever I want (within reason) I can get it; with no debt...

You seem to think it is an either or proposition. That you can't have a comfortable retirement and have borrowed money for an RV when you were younger. That's not at all true, it is possible to have your cake and eat it too. Heck I'm still paying for my house, my RV, a car, paying for college, and still have enough for my comfortable retirement.