<prompt> Human: Ive never followed a budget, I just put money in a 401k, very small amount in some funds. But Im sure I have enough in an emergency fund. And my house is almost paid for. My main concern is future healthcare bills is there anything else that can wipe out your account?. What amount of money do I have to shoot for before I can start remodeling home, taking trips, buying a newer car perhaps? Basically be financially fit enough to splurge?  <response>: Ideally you should be taking vacationsenjoying yourself while you save.Most of the Dont do X and Y ever responses are directly towards people who dont have any emergency fund, are already underwater, and need to start clawing their way back. For people like yourself who are in generally good shape, but dont have a budget? Just create a budget, figure out what you need to put aside to meet your long term goals retirement, put enough aside to meet your medium term goals remodels and cars, and then put some aside for your short term goals vacations, presents, new phone, etc.Hope that makes sense. 