<prompt> Human: Inspired by this thread my wife and I are wondering if we can afford to contribute less to retirement. We are living fine, but dont feel like we have extra money to spend on things that we want even a 35 Chromecast. Heres our numbers: 65k combined salary, plus 10k or so from a side business 13k emergency fund 35k in 401k 20k in IRAs 124k 30-year mortgage; no other debts 37k in liquid and semi-liquid assets CDs, online savings, etc.Our net worth, if I calculated correctly, is 150k. Our monthly budget with of take home net: Take home pay: 4039 401k and IRA contributions: 1084 26.8 Mortgage, insurance, property tax: 780 19.3 Health insurance personal care: 158 3.9 Internet phone: 65 1.6 Electricity, water, gas: 295 7.3 Gasoline car insurance: 300 7.4 Groceries restaurants: 475 11.8 Miscellaneous: 60 1.5That leaves us with 825 a month. Right now, were applying an extra 250 per month to our mortgage payment and saving the rest. We, too, would appreciate any advice or opinions!  <response>: I might back the 401kIRA contributions off just a little but not much..., but I really dont think they are why you feel like you dont have extra money to spend on things you want. You have 37,000 in CDsonline savings and are worried about buying a chromecast? If I was your older brother I would punch you in the arm for being so ridiculous!Youve done a really great job at saving money and budgeting, and I feel like you forgot that you can take your foot off the gas and relax a little bit. Spend some of that non-retirement savings. Its OK, I promise! 