I think I have to add my 2 cents. Like many others here, I'm not rich but I've been lucky enough to have some toys. Truthfully, luck doesn't have much to do with it. It's a plan. You save here and there, work a little extra and soon you have a few extra bucks. There's no secret to it.... Don't feel guilty. Enjoy the fruits of your labor. Don't let them bring you down. Be proud or your efforts!!