Read an interesting comment on one of the news web pages recently about how people are not really disciplined in saving money that they would have otherwise spent on something else.
A woman was asking her husband how much beer he drinks. He stated a couple during the week and a few more over the weekend with the boys. She grabbed her calculator and a few minutes later informed him that had he invested his money instead of drinking it away all of these years he would have had a Lamborghini parked in the driveway. Her husband thought for a moment and then asked her if she liked beer. She quickly responded "No way". He then replied "Well, where is your Lamborghini?"
You may not spend your cash on hookers, but chances are it will go to something just as worthwhile.