Don't live beyond your means under any circumstances. But concentrate on using your means to LIVE. Do that trip, buy (for cash) that toy you want, trip, do things while you still can.
Buddy of mine did that. Fiscally rational, worked hard, had a great wife and family, could have had his own outdoor adventure show kind of life, right? He was killed this last winter sledding in the mountains. But his life was pretty darn full, he jammed a lot into his 59 years.
