You obviously never reproduced. I provide beyond my means so my children get a head start. I can tell how your childhood and upbringing was based on your minimalist ideology. But it's ok, I understand your want to halt your family history. Everything comes down to choices. You chose minimalist, I chose maximalist. You'll retire and then die in a section 8 housing half way house. I'll retire and die in my 2500 square foot home on the water that has 6 more years of payments left. Or maybe I'll die on my boat? At least my kids can benefit from my maxed out 401k, my roth and their 529's. Remember, your only a slave to UPS if you allow them to be your controller. What I do find ironic is that with all of your minimalistic mindset and ideals, you sure as hell need that slave UPS controlled healthcare.