<prompt> Human: I find endless opportunities for me to save more money. In fact, I know where Id spend another few thousand each year if I had access to the funds: Fully Fund Roth IRA self, at 1kyr now Fully Fund Roth IRA spouse, at 1kyr now Fully Fund 529 Kid 1, at 1kyr now Fully Fund 529 Kid 2, at 1kyr now Pay extra against mortgage Contribute more to 401k currently only enough to get employer matchIn just the IRAs and 529s itd take another 16k of post-tax income I just dont have to feel like Im doing the bare minimum to save for these events retirementcollege for kids.How do you stay motivated to tuck every dollar away? Itd be so much easier read: more enjoyable to drop those bills on home improvements and personal projects than to push them into electronic bank accounts for some indeterminate and unknowable future.  <response>: Because odds are I will be alive tomorrow. And the next day. And the one after that. But I never said I save every dollar either. Theres also a large benefit to starting early. If you save 15 of your income now for retirement you wont feel the need to catch up later. A little of sacrifice now goes a long way.Zig Ziglar says theres a difference between pleasure and happiness. It may bring a lot of pleasure to spend all your money but for long term happiness it just wont work. 