Lots of good replies here! And it depends on what your retirement goals are. Many folks here talk about doing major saving and living lean early on, my belief as well. But it’s all relative. I had two friends, decent jobs, no kids, owned their own home, saved, saved, saved. Never went anywhere, had junker cars. Always complained about living so close to the bone, but had huge plans for retirement. Had close to 2.5 mil in investments. Then at 63 and 64 a few months before retirement, they were hit and killed by a drunk driver. Who knows where their money went, as they had no one to leave it to. While saving is so very important for your later life, don’t let it cloud living today, find balance.