Check lifestyle creep. As your income (hopefully) increases so does the urge to splurge: more expensive cars, homes, vacations. But it can be more subtle. In your twenties, you launder and iron your own shirts. In your thirties, you drop them at the cleaners. In your forties, you buy them by the dozen and open a new one when you need it. In your fifties, you're hand-tailored all the way. Go back to spending like you’re in your twenties.