RE: Are you desperate to Spend?
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I think the status in society is largely to blame for this. There are idiots in the society who judge others by how much they are able to spend and not how much they are able to save and invest. These are mostly the rich people who try to screw over the middle class and poor by pushing them into something they are not comfortable with.
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Actually, saving and investing is not seen by many in society, but buying new gadgets or new car is shown as a status symbol. The problem is people usually forget their financial status to do the showoff.
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Yup, I think we're both saying the same thing :)