Living on less than you make, is just living by your own means. It's the concrete financial decision you make to live on a budget and create a safety net for yourself. Financial peace however, this takes much more, and it may never be; because we will always want more. The flesh is never satisfied. I could be wrong, after all, I'm not there. It would be nice to hear from someone who has reached it and came back to tell the story. :-) Just socializing, neither agree, nor disagree.