We will soon be downsizing. We retire in just over 3 years. The existing house will be sold and a much smaller one will be bought for our retirement. The car and my wife's F3L will be paid off by then. Nothing wrong with living under your means. A heck of a lot better than the other way. I see too many people like that.
Reminds me of a lady I saw at the grocery store a couple of years ago. She had $200 in food and she kept getting the cashier to try a different credit card to have the charge go through. Fifth one was the charm. She drove off in a Lexus SUV.