Definitely agree. I will be saving big time for retirement (currently only doing the recommended amount for my age), in a couple of months will begin saving the down payment for a house and will have credit cards gone in 4 more months.
I am doing all of this not to hoard money for monies sake but to be able to comfortably enjoy life. I value eating out, going on vacations and having my electronics. I also value financial independence. So, smaller house than I can afford, frugal travel so I can do it more, no car and cooking from scratch all so I can have the things I value.
Main thing is to spend money on the things you value and spend as little as possible on the things you don't.
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