Jump right in anytime, Lauren!
I voted for being prudent -- what you think is going to make you happy for a while may screw up the rest of your life, and that's a lot of years to trade. Or in my case, you can get spend-happy and then be stuck with the bills for decades. It can be really hard to see that when you're younger, though. And then there is such a thing as being *too* prudent. So... it's a balance, I guess. But it's probably always a good idea to think about what the consequences of a decision might be, so you can decide if it's worth it.
PJ
