you must apply the 70-20-10% rule...don't live like a king...life is like a tidel wave full of suprises and predictions, sometimes you are on top and sometimes you are below. so, instead of spending your money lavishly, save for the future and definitely you will all go back to your homecountry when you grow old although i truly understand that we need to enjoy life but with not to the extent that you are spending your money like a millionaires....