<prompt> Human: Hey there PF,Im a long time reader and new poster. Im 25 years old and have about 135K saved up with no debts. I make about 90K per year when my day-job and night-job part-time teaching are added. My expenses are about 30-40 of my income. I live comfortably in a nice apartment about 15 minutes from work. Housing prices are so out of whack here Canada that I wont be buying for a very long time.And no, before the inheritance bandwagon comes-a-knockin, I saved all of that money myself, having invested well but receiving no excess market returns. I was lucky however to attend University in a country that does not require students to drown themselves in debt. Ive also lived on my own ever since completing university.So, suffice it to say, I think Im doing well. But this thread isnt to circle-jerk. There are a lot of people on PF who have planned well but are thinking - whats next? How do I take what Ive done to the next level? So once you have all your ducks in a row, whats left? Wait?  <response>: Money isnt an end in itself. I think once youre hitting all your targets, live a little. 