A little history:
I've been married for 16 years. The first 5 were tight (less than $20,000 a year combined annual income). After that our combined averaged $45k-$55k for years. For the last three years I've been in school full time and working part-time, but our income was around $60k.
Now it is just me and my wife. We max our IRA and 401k contributions, always make sure we have at least $5k in the bank, and up till this year owned our house outright. We still own it (renting it out, and it looks like our renter will buy it in Feb). Only have one car payment ($273 a month). Whenever a big expense hits (like the $2000 septic repair, $1200 electrical work, etc.) we pay it. Looking over our expenses and bills, we usually end up bringing in a little more than we spend each month, and this is with us buying a lot of items recently that we normally wouldn't.
That is where I am having a problem. We are now finally making very good money, I have a job that is in high demand and I am finally in a career that I don't have to worry about layoffs. My wife has been with her company for 5 years now, works from home, and at least on the surface looks like her job is secure.
So why do I worry about buying things? I hate owing money, even though the furniture, stereo gear, new computer, fridge, Washer/Dryer, and bed we have bought in the past 4 months have been things we have done without for a long time. All at 0% interest, and I am paying those amounts every month so that they'll be paid off before the interest kicks in.
However, I still second-guess myself whenever I buy things. I guess I feel like doom and gloom is lurking around the corner, and I'll be stuck with all these bills - but we have done without for so long that we have gotten tired of waiting. I figure I'm 39, don't really have any major expenses or renovations in the future for the house, cars are doing fine, so why shouldn't I enjoy myself, buy some toys, etc.? Hell, at 0% interest, as long as I pay them off in the time allotted, it is like paying cash for them.
I guess I'm just a pessimist when it comes to my financial situation.