<prompt> Human: For me, I feel like I have a lot saved eg: HSA, 401K, Roth IRA, Company stocks but at the same time I feel like I am not enjoying life. I have no kids and no debt. My paycheck every two weeks is not as much as my peers because I put so much into savings but for what? When Im 65 I wont be able to do the things I want to do when I am in my 20s. How do you find the happy medium?  <response>: Make a budget. Earmark a certain amount out of each paycheck for hobbies, entertainment, concerts, etc. 