I have a good chuckle every time I walk down the fertilizer isle of the home improvement store. 50 plus varieties of hyper special pot fertilizer that is totally better than miracle grow, they claim, for 5x the cost. What ever happened to three simple numbers on the bag?
I would argue living below your means is always better. Getting a cheap mortgage you can add an extra $100 or $200 a month to for the first five years makes a TREMENDOUS difference in how much interest you pay over the life of the mortgage and how soon you own it. The first five years of a mortgage are so important, all your payments go to interest. I’ve turned all my 30 mortgages into 15-20 year mortgages by over payments and it’s served me extremely well.