GPMAN,
Not all us "free spirits" live out of your pocket.
Life is marked with pleasures the whole way through, or why live it? When S.S. decides to give me that baby check at 65 I just dont see myself buying a Challenger.
Life is today.... Can not live in the past, and the future is foggy. I wont spend the next 20 years building an Ark, only to find out it was the lava I should have prepared for. No excuses still! If you can't afford to pay then do not play. Affording is not always paying cash.