I had a healthy balance. Especially when I was earning loads of money. I managed to save a a lot of money, and done very well in stocks. I managed to buy a $1 Million house at 25. However last year I lost $400K. SO I am rebuilding again. Long story. But I will either adapt and be rich, or I will fail and still hopefully be happy. The biggest thing I have learnt is that for financial success, you usually have to take risks.