- Become a hermit

Saving money was so easy before I had kids. Once you have kids you need a car big enough to transport them. You need a house big enough to hold them. The missus insists that just going camping isn't really a vacation and they need to see some sights (real travel). And travel with kids isn't cheap. You gotta start getting the family insurance plans and the million little school fees and your bigger house has more stuff to break in it and the kids break stuff... Worst of all you multiply your chances of having some big medical problem--the death knell for any frugal living plan--the more people you have to care for.

Also, Costco doesn't really save you that much money unless you were the kind of person who always bought the top-of-the-line premium whatever. For people who typically only buy the base model widget the price is pretty similar or slightly more expensive typically.