It's even easier to find a rubber duck and a toaster. :)
Living below one's means is probably the better approach, but those means are a constantly advancing line chart, fuelled by money printers being refilled by perpetual ink.
Kick the can down the road, run out of road, then build more road; or redefine the definition of road, and keep going.
Indeed, life is complicated by many things and it can be difficult to see the right path; and the right one is different for all I guess. Personally, I'm looking for experiences, happiness, enjoyment, fulfilment and such things. They come in various ways and I always focus on ensuring they're me-oriented. I mean here, I'm not influenced by the media etc. That way there, the road ahead is more of my design and creation.
Almost sounds like a slogan of some sort I've read on HIVE before. :D