We need to be prudent, but we also need to realize that this is the one material life we will have and we weren’t put here merely to struggle through and barely get by until we drop dead of worry and regret.
Millions of people do this - I do - what else were they put here for?
etc.
Evidently you were put here to whine and bitch like a spoiled child with no sense at all. You're doing a bang up job of it.
You will find that "things" have very little to do with why you were put here.
Old Skool says the ONLY thing you buy on credit is your house. The rest you do on your back. Period. And you live well within your means. By and large, as the current dilemma seems to be proving yet again, Old Skool Rulez Rules.
So you never buy that brandy new jetski. Go down to sears and buy the biggest box of Craftsman tools they have ($1500 bucks). Then the next time one of your buddies stacks up his jetski into a dock, you can buy it from him for $200 Take it home and stuff it in your garage and fix it. Viola! Brandy new Jetski, and no payment.
THAT is how a dirt poor redneck gets a yard full of toys.