Meet some more people. I've saved 20+% for about 5 years now, I have over a year of FU money, and probably closer to 3 or 4 if I actually payed closer attention to my spending and cut back. I'm not rich, I just save before I spend and prolong the time before I give any of my money away (purchases, bills etc - its my money!)

It hasn't affected me much, I still work, I'm still kind to strangers and waitresses. You're rule is good, but something tells me those people you know would be the same in any situation.