You said the word Tom. "Netting" Something people seems to forget about. People chase the clout of looking the part. Image is important, but not to the detriment of your finances. I have been down sizing over the years. Guess what. I have also been keeping more money. Maybe it's not smart text book business model. I don't make money off other people working. But I am a worker and that's okay with me. It's not perfect, and who knows it may bite me in the ass years down the road... My favorite quote is " it's not how much you make, it's how much you keep".