Even things like not having to budget for groceries and the occasional going out to eat is something I often take for granted. I stay frugal, but have never really had to hem and haw about whether I should spring for the organic produce or fair trade coffee.

"I can't afford this" is a lot more difficult of a circumstance to be in than "boy that was a dumb idea to purchase some pricey, fancy, but nasty cheese on a whim"