Last week I started pulling out all the tax prep paperwork to give to our CPA. Because we both still work and are self-employed, our tax returns are complicated and far above my abilities as a do-it-yourselfer. But as I began going through all the receipts I was relieved to see that in spite of all our expenses—the fun ones like travel, and the necessary ones like medical—we still managed to save a decent amount of money. In other words, thankfully we once again managed to keep our income above our outgo, or “live below our means.” While I realize that isn’t always possible for everyone depending upon circumstances, I do tend to believe that we each continually make certain choices that can help make it more of a reality than a dream. And yes, when we do that, the freedom and peace of mind it brings can far outweigh the effort.