I can understand the financial aspect of the choice, because I see money as little bits of my life. Everything that we exchange money for we ultimately exchange parts of our lives for.
However, I must pose this question: Is it right to hold onto something we've exchanged our lives for if it does nothing more than bring us misery?
To explain my question I'll use an example. A man spends 1/3 of his life doing something for someone else in exchange for the money that goes along with it. What we choose to do with the money is our business, but a prudent man would spend his money on the things that can increase not only his happiness, but the expression of his joy onto others. An imprudent man will waste his money on things that do nothing more than allow for temporary joy, ultimately causing him to require more and more to satisfy his temporary lack of happiness.