This should probably just be a replay of my interview with Leo from ZenHabits.net.  The key to money (and probably everything else in life) is to be happy in the moment.

The pathway to wealth is paved with patience.

Your "Miscellaneous" category is a black box of spending. Is that spending a reflection of your values? Or are you being lazy? And should you care anyway? We discuss :)

This is the end of that debate.

Having the choice to create a taxable event (or avoid one) is extremely powerful when it comes to minimizing your life's single biggest expense.