Charles Givens is the man. I keep a copy of “Wealth without risk” in the bathroom for easy reading 😊. I recently bought a new copy at a used book store for $3. I gave this to my son to read. Biggest expenses in life : Taxes, home loan, auto loans, insurance. It behooves one to become an expert on these subjects. I drive a twenty year old car that I maintain myself. I think I have financed it at least four times. Why you ask? Cheap money to invest. My last five year car loan allowed me to borrow money at 1.49%. My house refinanced several times when interest rates were dropping (Givens interest rates chart explaining market shifts based on prime rates should be required reading in high school). This allowed me to pay off my house in fifteen years while maintaining approximately the same payment (think refinancing a thirty year mortgage to a twenty followed by a ten year mortgage at 2.5%). I do most of my own maintenance around the house, but I know my limits. Sometimes it makes more sense to hire it out and pickup an extra day of flying. I enjoy mowing and washing my car. I always always always fund my retirement first. Then we make the most of whats left. Its not that hard. It just requires some self discipline.