<prompt> Human: Bear with me, I dont know how to get this on paper electrons being a hardcore INTJ and introvert. SGM, lower 40s, solid career, no consumer debt, no car payment in the last decade Toyota durability FTW!, just a mortgage payment well below market value for location and Im already appraised at double value from original purchase I got lucky as in the real estate bubble. 10 of income to 401k well exceeding the company match for the last 20 years. Learned about the Roth 8 years ago and and have been doing max contribution since. 2 years of salary socked away in an emergency fund. I put everything else in additional savings through brokerage. It would be more if I hadnt had some health incidents in the past. Have LTD of 60 income through work. My FA is a miracle worker and has kept me solidly away from the recessional dip. I ought to have it all squared away, right?Ive got a bare-bones lifestyle of sorts. Spending is very limited in that I dont shop retail unless forced, and often mostly thriftsecond hand sales. Seriously 75 of my house is everyone elses cast off hard furniture or thrift purchases. Soft furnishings bed, sofa, chairs all were purchased new for obvious reasons. Clothing I avoid too trendy so as to be less timefashion sensitive for longer life. I dont eat out more than 2x a week strict functional diet so as not to undermine years invested in gym work. I dont drink when I go out mostly because I refuse to pay the excessive costs. My budget indulgences are a 45mo gym membership, 75mo smartphone, and insurance on a vintage motorcycle. I dont do vacation travel since it makes no sense to go alone...wtf do I do by myself? My passport is current but empty. I cant justify things like Netflix, Amazon Prime, cable TV, the typical money-suckers. Hobbies are conveniently set up such that I could liquidate everything at any time and come out ahead with no real loss of money Ive put in, just my time. Bear with me now, Im not saying this to be boastful at all, but to set up the scenario.I should have everything squared, right? My FA says Im ahead of the curve for others my age, but I also know how terrible the average middle-age person is with kids mortgage and normal life contributing to a typically lousy retirement planning. It doesnt convince me Im going to be ok. I cant spend without a huge guilt complex unless its something essential that I havent justified as a need item. If I had extra money in my hand, I seriously couldnt tell you what Id spend it on even if forced. My brain locks up even thinking of possibilities. I know its not supposed to be like this. Normal people dont live this way. I dont think Id be considered a miser, but I can always spot new ways to improve savings in my spending habits. How does PF strike that balance between rational prudence and enjoyment?  <response>: Money is a tool not the goal. I think the question you should ask yourself is are you happy. If the answer is yes, then you are good, if the answer is no... 