My parents had nothing when they were first married. My mom worked to put my dad through trade school. They lived within their means and never realized the power of compounding. My dad, when he had a chance to work overtime, worked and never spent that money. Vacations were a day’s outing. I was the first in my family to go to college. I did work and have student loans. But I also majored in a subject that could allow me to live on my own and pay off my student loans. When I married my husband, I worked to put him through graduate school. He worked hard and was hired by a good company. Neither of us wanted the big house, the fancy car. We live in a modest house with my son. We save as much as we can, but we donate first. The generation after me just want everything to be top notch. Why? I rather be judged on what I did to help others rather than what I have accumulated. I am not trying to brag. I just want us to keep our value system and pass it to my son.