The dirty secret that nobody wants to talk about. Sometimes, stuff equals capability. This is especially true with tools, renovation supplies, and hobby supplies. That old drain snake in the garage? $350 plumber call. Rarely used winter gear in a closet? No $$$ rental on the occasional ski vacation. Sewing machine and supplies? Now you can alter or repair your clothes.

It can also be resiliency. All those extra Christmas candles? Great for a power outage during hurricane season. Buying, preserving, and storing summer produce can save money later in the year. A deep pantry can be a critical safety net for some people with job insecurity.

Of course, there’s still a lot of crap we can get rid of, like old hand-me-downs and things we’ll never use.

It’s really a balancing act between the cost of maintaining capability and the cost of paying for outside services. For me, I basically add an entire room to my house for $150 a month, and still get to keep the ability to do the things I love and have some resiliency in my life.