<prompt> Human: I do consider myself a pretty frugal person. It has been about 2 and a half years since I got out of college, and I have been trying my best to save as much as I can. Here is my situation:I am 26 years old. I currently make around 80,000 a year. I dont have any kids or wife. I have no debt aside for some credit card debt that I pay off every month.My cash savings account is worth 37,000 making 1 in an ally account. I have 2,000 for checking Thats rentutilitiescredit card payments. I have 4,600 for fun investing. 16,800 in roth IRA maxed each and every year. Nearly 41,000 in 401k savings. The largest payment I have each month is obviously rent and utilities which I have now wittled down to about 1066 total. 1 big house with 2 roommates everything is shared.My questions so far starting this whole thing is 1 do I raise the money without touching anything else by just not paying myself for like one or two months? 2 Do I pay cash in lieu of financing? 3 Is there any room for negotiating the price for this surgery? I do have very good insurance, they will pay for 15. which will knock down the total for the whole thing to 36003700 bucks.This surgery is a luxury I never really considered, but my whole family is now begging me to get it, and contacts and glasses can be a pain sometimes. I was just looking for more advice financially and see if anyone has been through the process before. Thank you so much for reading this, and have a great day.P.S. I ride a bike everyday, I have a 16 year old car that will need replacing in the next 5 years or so. So that is my next huge purchase on the horizon.Assistant: Of course you can afford it. If its a worthwhile purchase for you is another question entirely though. Why is your family begging you to get lasik? That should not weigh in to your decision. Do you have plans to FIRE? Managing expenses impacts your timeline for that considerably.You seem undecided, and have a great savings rate, so my advice is to put aside 600month towards the procedure. If in six months you still want it, just pull the trigger.Human: My family has been begging because they all got it. What do you mean by plans to FIRE?Assistant: Financial Independence and Retiring EarlyHuman: Well of course I want to FIRE, doesnt everybody?  <response>: For most people, financial independence is a dream at best. the poverty rate in the US is between 14 and 15 percent 