<prompt> Human: Im great at saving - thats not an issue for me at all. I have 50k in the bank with my only debt being my mortgage. Each month I put 700 into my savings and I put 1 of my salary into my 401k, but my company contributes 6 unmatched and Im already 50 vested, so I feel that its a reasonable amount.Ignoring the fact that I need to figure out how to better invest my savings, Im really struggling with spending any money on myself. I always make my own meals and rarely do anything that costs money on the weekend just for fun. The last time I used vacation time I just stayed at home and read some books. While I do like this some, I feel like I am unnecessarily restricting myself. Im 25 and I would like to go on some trips or just get Chipotle occasionally, but I stop myself. How much are you supposed to spend on yourself, just on fun things?Assistant: Stop putting money in your savings account unless youre saving for something specific. Save 15-20 for retirement. And now just go through your budget. How much is left? Increase your food budget a little so you can get Chipotle from time to time. Set a fun budget for weekends. And put whats left in a vacation fund so you can take a vacation or whatever. Human: Should I have the full 15-20 in the 401k? That seems like a lot of money to put there. Assistant: You can. Or an IRA, since youll have more options there. If your employer contributes their 6 regardless of what you do, then Id do an IRA up to the annual limit and the rest in your 401kHuman: Yes, they contribute 6 regardless of whether I contribute anything. Ill have to look into setting up an IRA. It seems like that might be a good option. Thanks for the advice!  <response>: Shoot, take 11k from that 50k and fully fund for both 2016 and 2017 while youre at it! Take advantage of the Roth while your income is low enough. And then plan your next vacation, and make it a good one. 