There is not only the quantitative difference in the sacrificial versus the self-indulgent lifestyle (in that one results in a smaller bank account and fewer "toys" than the other), but there is definitely a qualitative difference as well. There is a solidness or a richness in the experience of sacrificial giving that is just not present in things done only for the self.
When this is understood, it becomes clear that, in the big picture, not sacrificing is really the more painful and regrettable option, but why is this so often hard to realize when we are in the contemplation stage before making a decision about how to spend our resources?
MM