i've coined it "the fuck it factor" all decisions in life ultimately come down to it. either you say "fuck it, it aint worth it." or you say, "fuck it, i'm going for it!"
your successes, your failures, your financial freedom or your financial oppression all stem ultimately from "the fuck it factor".
fortunately our intrepid AH falls more on the "fuck it, i'm going for it!" side of the coin.