At the Jersey shore this Summer I saw a popular T-Shirt phrase: YOLO (You only live once).
Which depending on your beliefs, may hold true or not. I think I only have one go at life, so it's a challenge to find balance the near term enjoyment and long term planning for 40 yrs of retirement. Yes, I wrote 40 years given the odds at least one of us will live to 90 are pretty good (my money is on Mrs. D). Today, I could stop making double mortgage payments and buy Vanquish (my oops in another thread) without interupting any retirement investments (after 40 all investments are retiement investments), but the cheaper Vantage would be a much more prudent choice. Forty years of retirement weighs in heavily in any financial decision such that I shouldn't trade-in my 550 for a Vantage, since I didn't get enough use out of it yet. Conservative me says the 550 needs to hang around to 2015 or at least one full year after it is paid off. Conservative me usually wins.
Now if only I could embrace YOLO.