And beyond retirement, another reason frugality and savings are important have become very evident to many of our peers in the last year. How many guys do you know with quads/boats/sweet rides or dudes that were acting like big shots going on an annual fancy vacation or two that are now absolutely hurting for money and are basically in dire straights? You never know when life will sideswipe you. You can get sick, a loved one can get sick, you can lose your job, etc.
That's why life's extras (like boats, cabins, vacations, fancy weddings) are reasonable after you've taken care of your other obligations (insurance, retirement savings, education savings, etc.), but not before.
It's easy to say "live for the now" or whatever, but if you've seen how soul-crushing it can be to watch a guy go from living like he's on top of the world to barely making ends meet (or not at all), then it becomes really easy to be more conservative with your cash.
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