My house payments are less than $400/month, my car is paid off, and I'm single -- it's just me and my dog. Until I need to buy another car, I'm doing OK for discretionary income.

I try to pretend that I'm investing. While its true that I've spent a lot on my knife collection, I'd probably be flipping them if they were really investments, so I suppose I'm really more of a knife hoarder.