Is Smart Personal Financial Management Supposed to Be Entirely About Frugality?

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When magazines and TV shows get on a subject, there's no getting them off it. Shouldn't pieces done in these media on personal budgeting give it a rest telling people to lay off the Starbucks lattes every morning because it makes no financial sense today to lay out five dollars every day for this luxury? While lattes are undoubtedly the favorite whipping boy with all gurus in personal financial management, there are other well-frequented expenses that they like to bring in for variety too from time to time - vacations, shopping for groceries without coupons, eating out, cable TV, smartphone...

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