<prompt> Human: I realize this is not a bad problem to have. Im 42 and work for state government making about 70K a year. I rent an apartment I love, go out to eat, buy occasional gadgets, generally enjoy myself. My job has a pension which pays 50 of my avg highest 3 years salary if I stick it out until 62 -- which I will probably do. My state is pretty well managed and Im confident it will be there when I retire.Because I worked my ass off in my 30s and put off a lot of fun, I have about 450K in low-cost index funds 200K from rollover IRAs and Roth IRAs, 250 in a regular account. I have about 19K Cash on hand for emergencies. I pay my cc off every month. I have about 35K in student loans but the interest is 2 so I have no need to pay them quickly. I recently got my FICO score and it was 850.Im still maxing out a Roth IRA every year at 5,500. Aside from that I basically spend as much as I bring in. I havent been on a nice vacation in about a decade. If I keep going like this and retire at 65, Ill have about 2.3 million in investments. But if I take that extra 5,500 and go on a nice vacation every year, or do more fun stuff generally, Ill retire with 2 million, and have a lot more fun and cool experiences over the next 20 years.The idea of just stopping saving for retirement seems really weird and Im a financially conservative guy. But I keep running the numbers, and I think Im good. So... should I have more fun?p.s. I suppose I could maybe retire earlier but I dont get the pension until 62, and I actually like my job.Edited to add: Hey all, thanks for the great advice and insights. Here are my takeaways and thoughts: I have decided to keep maxing out my Roth IRA every year, and I have set up a repeating transfer of 400 every month into a savings account. Without that money available my spending will curtail itself. More importantly, Im actually going to force myself to spend that money on vacationing. I struggle with how to have fun on vacations, but thats a whole different topic for another subreddit. Its fascinating how much financial planning is such a personal thing. I mean, it makes sense in the abstract but you read the comments and everyone has different fears, experiences, worries, etc. -- not to mention tolerance for risk -- and they all translate into their advice. Ive always thought my state pension was one of the best features of my job, really interesting to hear how some folks dont think you should put that much trust in a pension, and others see it as an asset. I mean, I get it, this is a pretty risk averse group, but Id be curious to understand what the actual, empirical, data-backed risks are associated with relying on a pension. Some folks got at that but I didnt see anything definitive. One common refrain was, Dont eat out so much, prepare meals at home, etc. I get that eating out is a pretty common budget leak and a go-to for tightening up ones finances, but my issue is that being able to go out and eat when I want and not worry about it is one of the things I genuinely value. I hate stressing out over the items on the menu once I learned to let go of that, I was much happier. So, yeah, that means I spend more than I otherwise would on dining, but its actually a rational decision I made at one point and one that I own. Also, to those who said go the library or get ebooks -- I see how that makes financial sense as well, but I aint never gonna stop buying books. Not going to happen. Not only do I buy tons of books, I buy them locally at my independent bookstore for 20 more than I can get them on Amazon, because thats how I roll.  <response>: If it were me, yeah I would go enjoy the experiences while you are young enough to really enjoy them. I dont know if I would stop saving for retirement completely but thats just because it would feel weird to do so and you never know what the future will hold. You look to be in a great place financially. Youve worked hard. Nothing wrong with enjoying the spoils a little. 