<prompt> Human: So I feel like most of the questions on this sub are people that are drowning in debt and desperate for help. Or people that have their financial house in tip top shape and post a help question mostly to pat themselves on the back the guy making 225k that had a great budget and saved a ton of money comes to mind.As with most things in life I think I can do better than Im doing now. I followed the basic steps: contribute to 401k up to matching, max ROTH, save other money. I didnt buy the fanciest car. We have reasonable rent.However we dont have a budget. My wife and I go out to eat a lot. We pay for premium cable. We travel frequently. We get groceries from local sources and do buy some luxury items for ourselves. We are fortunate enough to have money left over. Other people in this situation...is it worth putting yourself on a tight budget if your savings are already pretty good? What is your motivationfor saving as much as possible? Sorry if this comes off as a self congratulatory post but I know there are probably a lot of people in this subreddit in a similar situation. Just wanted to pick your brains.  <response>: What is your motivation for saving as much as possible? The future, really. Having kids, buying a nice house someday, not having to stress about financial crises, retiring early. Immediate gratification is nice, but theres not much as satisfying as watching the balance of my retirement accounts climb. 