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coach factory vs coach retail enormous, energy guzzling houses (the average new house built in 2003 was 38 percent larger than a house built in 1975, despite having fewer occupants).That said, I really do understand the desire to have nice things. I'm sure I have habits and indulgences that would make other cheapskates cringe. My winter boots cost $350. I once took a boyfriend out for a $200 sushi dinner, with no regrets. The ways we spend money are personal, eccentric and deeply inconsistent. That's what makes human beings interesting. I try to keep that in mind whenever I'm tempted to get preachy about other people's spending.Also, there's a difference between spending a lot of money and spending beyond your means. If you're Bill Gates and you can easily shell out $5,000 for a suit (not that he seems to do that; he usually looks pretty schlubby), then that raises an interesting question: Is simply a practical issue of what a person can afford without going into debt, or are there other considerations at work? I believe we need to put spending decisions in that bigger context even if Gates can afford to own 12 houses and 60 Armani suits, he's using more than his share of natural resources, and he's also raising the bar for other moguls and aspiring moguls. It's that "keeping up with the Joneses" you mentioned earlier cycles of competitive spending in which the people at the top set the standard that others aspire to, and it trickles down to ordinary people. In the end, this contributes to an amped up consumer culture that's driving Americans into debt and killing our environment.CS: What are some of the strangest ways you