I’ve wanted to visit Italy for about 20 years now. Maybe some day. There’s always some other need for the money and time.

I think when people talk about “falling behind” they’re actually talking about missing out on the initial gold rush of novel uses, quick cash grabs, and straight up scams that a lot of people are making short term money on.

We live pretty frugally in comparison to our peers. Less than $30 a month in subscriptions, our utility bills are low, we eat out maybe once a month and every other meal is made at home. We thrift and get just about everything we can second hand from yard sales or friends. It used to be that we were putting aside money, now there’s less extra. We’re getting ready for worse, and planting fruit trees, learning gardening and canning, and reaching out to our neighbors.