In my case, the wife and I made a decision early on, that I would pay attention to earning the money and she would pay attention as how best to invest it. I went through my career focusing only on how to get ahead and wasn't distracted by financial issues. We both were good at what we did and now that we are retired we live without money worries and buy just about anything we want. The funny thing is, we lived so frugally all those years, we came to realize that life is not about material things as much as it is about enjoying the little things in life so most of the money stays in the bank.
Edit: I will embellish on this a bit.
When I was in my early twenties, I realized that I would be happiest living out away from traffic and noise and crime. While my buddies were buying their first house, I put money into ten acres near Folsom Lake in CA. (Yes, near the prison). At the time, land was cheap, relatively speaking. I went into debt and for the next 8 years suffered through the negative cash flow that having land payments will do for you. When I hit thirty we put a house on the property, a modest house. Now, we are surrounded by multi-million dollar homes and when we go to sell, which will be never, the land will be worth more than the house which, in our minds, it is anyway but not in terms of money. For me, I don't need a big house but I do need lots of room for my toys.