<prompt> Human: So Im 24 Ive always been a good saver. I have about 40,000 saved and a good job. I am about to move to NYC so saving seems to be out of the question. Everyone older I talk to gives me the enjoy yourself in your 20s speech. A bunch of adults tell me I have time to save later and to go out and enjoy yourself cause youll regret it if I dont. Not saying Im going to eat through my savings. Should I just have fun right now and break even every month and have the time of my life?  <response>: A mix of the two is what you want. If you are overly cautious, youll have lots of money but no good experiences. If you are not cautious at all, youll be broke. Its up to you on how you balance the two. 