For me, its not that its not fun but the goal (final sum) sometimes seems unreachable. Also, I wonder if I might later on regret not spending money on cars, clothes, luxuries etc while young. Afterall, how much could I enjoy a Ferrari when I'm 65 ?
But, I guess there's more to life than flashy cars and clothes so I keep on saving hoping that the day when its time to reap the reward it'll be a good day.