The only problem I find is that if you want to be really comfortable and use very little money you need to invest in a lot of infrastructure up front so that your needs will be met. I sort of look at this like any other investment, in that it returns an ROI, not in money but in money savings.
This is so true. We try to spend every penny so that we can avoid spending it in the future. It's difficult when you rent and such, but we do what we can with what we have.
If the financial planners really helped people deal with the big things I wonder how long they would stay in business in general.