I think I already am.. I could have bought a lot bigger house but figured when I retire, I wouldn't be able to afford to heat/cool it. I live simply, always have. I am not one that NEEDS to have bigger, better and finer, there is no one I need to impress. I prefer to have what I have paid for instead of living fine and owing everybody.

Most of the clothes in my closet came from used stores, my house is energy efficient so my month to month costs are pretty low.