 I was raised in a frugal household, and I only recently started to embrace treating myself out from time to time. On one hand, I genuinely want to celebrate with our friends and family, but on the other, my head and heart hurt the fact that it'll cost us over $50,000, almost $500,000 in opportunity costs, based on a 7% compounding annual return for the next 30 years. Somebody give Erin a glass of champagne.