I sort of know my answer but I need to write this down. Think it through. You can comment if you want but I won't be offended if you don't. My daughter has a horse riding lesson once a week (started a year ago). She goes with my friends daughter. I really love my friend and her kids. Well, I went to look at a pony with my friend today, shes thinking of buying one for her daughter. They are not rich or anything and I am financially we are in a much better position. Thing is, my daughter is upset she can't have one. The difference is, my husband wants to retire in his early 50's like his Dad. We haven't stretched ourselves with our mortgage like my friend has and we overpay our mortgage by a massive amount so hubby can retire as soon as house is paid for in 12 yrs. We have a good lifestyle, don't really worry about money but thats cause we don't waste it. I dpon't have to work and I apprecviate how lucky I am in this day and age! We save if we need anything and we haven't extravagant tastes. My friends attitude is you can't take it with you and life is about living and experiences so she wants to give her kids everything she didn't have. I agree with her in this sense but I have my husband on the other hand who lives for retirement and won't do anything without military prescision and as far as hes concerned horses are smelly dirty creatures and she should be satisfied with a lesson. He refuses to have a dog because he doesn't want to be tied. Doesn't matter what we want! I could give up my gym membership but then I may get ill again and I know it would be better for my daughter that I don't get ill again than having a pony. I just can't help feeling like a real let down. Why can't she have a pony? Why not just go for it. If we don't enjoy it, we sell it! I really feel like my dreams and ambitions for me and daughter are held back by dreams of retirement. Isn't today what matters?