<prompt> Human: Some stats:I work PT and raise the children, dont make enough money to really count, a few thousand a year. Husband works fulltime and makes about 150K per year.We owe about 100K on our house, it is appraised at about 500K. We have two vehicles 2009 2007 that we bought for cash. No debt of any kind, credit card or student loans, as we both worked while going to school and paid tuition in cash.We have about 10K in an account for each child, plus about 10k each in RESPs Canadian kids education fund.We have 35K in out joint account, husband had about 75K in his account and I have 20K in my account.My husband believes he will need about a million dollars to retire so he saves everything. Seriously, he feels bad about going for a ten dollar lunch. We havent had a real holiday in over a year, and we rarely eat out. My husband always wants to save for the unknown future, and has a deep fear of being broke or not being able to support himselfthe family.So, while I feel like we are doing okay financially for starting from scratch with zero help from our families, I worry we are being frugal to the point of missing out.How do you both save money and still feel like you are living for today?Suggestions, thoughts, anecdotes all welcome :  <response>: You need to set concrete savings goals. That is the entire solution to both your desire to live a little, and your husbands anxiety. X months emergency fund X medical fund X dental fund X car fund X house fund X retirement fund X yearly vacation fund X hobby fund X some other thing you want fund X jet pack fundAlso review his short term and long term disability insurance, life insurance policies, and your will together. By taking concrete steps to prepare for bad things happening, your husband will feel better. If you dont quantify what you are preparing and saving for, well, you might as well start building a bunker and prepping for alien invasions, the second coming, and nuclear war. 