Simple living in your 40s and 50s

So now you've moved into your 40s, maybe even your 50s.  During your younger years I'm sure you heard all the negative silliness about aging but now that you're middle aged, you'll realise you're in the prime of your life.  You feel confident, ambitious and capable.  You are at the height of your money earning power, so you can pay off more debt now than at any other time.  Decisions made in