It takes an incredible amount of discipline to save and delay gratification. But I believe that it can be trained. You have to force yourself, then it gets easier.I suspect you two guys are among the rare exceptions. Wouldn't be surprised if most TERBIE live from hand to mouth and are only two paycheques away from homelessness.
And yes, there are lots of people living paycheque to paycheque...but hey, i'm sure they're enjoying life, which is what really counts right?