I’ve done a lot of this too in my youth, it’s easy to preach and advocate this when you have no other responsibilities. When you get older and have children then you need to have a had a plan in place to pay for these new acquired responsibilities. Where will you live? What schools will your children go too? I support what Mark is advocating to do in ones life, only when you are single, young ( I’ll let you define what young means) and no responsibilities! Have a back-up plan! Live your life, but sooner or later your life will change, just be ready for that adjustment!