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Why I Stopped Spending Money1. Housing. 44% of our lifetime capital goes towards housing. The average cost of a single-family house is $, � 2. Cars. On average, 14%. 5 Major Life Purchases to Plan For � 1. New Car � 2. The Wedding � 3. Starting a Family � 4. Buying a House � 5. Making Your House a Home. Questions to ask yourself before making a big purchase � 1. Is the purchase a want or need? � 2. How much money can you afford to spend? � 3. How do you plan to.